Determining Responsibilities by Size

 

Enrollment and eligibility reporting responsibilities are contingent upon employer size and whether the employer’s health coverage is insured or self-insured.

 

Applicable Large Employer (ALE)

50 – 99 FTEs

Employers with 50 or more full-time equivalent employees (FTE) are considered “large” employers under the ACA. Section 4980H of the ACA imposes penalties on large employers who fail to offer health care coverage or offer coverage that is deemed inadequate under the law. Health care coverage is not considered “affordable” if the insurance offered is more than 9.5% of an employee’s household income or if the cost of the coverage brings an employee below poverty level.

Applicable Large Employer (ALE)

100+ FTEs

Employers with 50 or more full-time equivalent employees (FTE) are considered “large” employers under the ACA. Section 4980H of the ACA imposes penalties on large employers who fail to offer health care coverage or offer coverage that is deemed inadequate under the law. Health care coverage is not considered “affordable” if the insurance offered is more than 9.5% of an employee’s household income or if the cost of the coverage brings an employee below poverty level.

Small Employers

Less than 50 FTEs

Employers with 50 or more full-time equivalent employees (FTE) are considered “large” employers under the ACA. Section 4980H of the ACA imposes penalties on large employers who fail to offer health care coverage or offer coverage that is deemed inadequate under the law. Health care coverage is not considered “affordable” if the insurance offered is more than 9.5% of an employee’s household income or if the cost of the coverage brings an employee below poverty level.

 
 
 

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