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How does the Health Insurance Marketplace affect my employees?
Employers of all sizes are required to notify employees about the Marketplace, which is an online website for individuals and small employers to purchase coverage from insurance carriers. If your employees and family members have coverage through your plan, another employer, Medicare, or TRICARE, they do not need to buy insurance through the Marketplace. But if they do not have coverage, they can go to the Marketplace (or directly to their state exchange, if available) to purchase coverage and possibly qualify for federal assistance based on household income. Note that small employers can continue to purchase group coverage outside the Marketplace, except for small DC employers in 2016.