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


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


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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