Do employers have to offer healthcare coverage to individuals who have completed a W-9 form using only his/her social security numbers?


If an employer has to offer coverage under the employer mandate they must offer coverage to 95% of full-time equivalents, there is no exception. So there is no exception for those who complete a W-9 form with only Social Security number. Simply the requirement to provide coverage is based on full-time equivalent employees and then substantially all (95%) full-time employees must be offered coverage starting in 2016 (although some larger firms have had to comply starting in 2015).

NOTE: There is a maximum of 90 days waiting period for new-hires in which they don't need to be offered coverage. Also employers have flexibility for accrediting hours and flexibility in terms of measuring full-time equivalent employees over time.

Learn more about the employer mandate.

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Judy Veneroso on

What is considered a full time employee for restaurant workers? on

In almost all scenarios a full-time worker is one who works an average of 30 or more hours a week, or 130 hours in a month. The way employers calculate this is a little more nuanced then that, but that is the basic backbone of the rule.