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We build creative benefit packages that fit your needs now and in the future.

Q

Do we have to offer coverage to all our employees under the ACA?

A

Maybe. Starting in 2015, applicable large employers will become subject to the “employer shared responsibility” mandate. This means you must offer affordable coverage to full-time employees who are expected to work at least 30 hours per week. If you do not offer coverage to at least 70% (95% in 2016+) of your full-time employees, or the coverage is not affordable, your company will be subject to penalties if any full-time employee purchases coverage through the Health Insurance Marketplace and qualifies for federal premium assistance. At this time, it is particularly important to identify who is a full-time employee that must be offered coverage next year, including paid interns, other short-term hires, and seasonal or variable hour employees.

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