Penalties for Small Business With 10 or Less Employees?

We are a small business and do not provide health insurance for our employees – are we subject to any penalties? We wish we could provide but do not have the funds to do so. Your help is appreciated.

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I am a part time employee, start date 7/2012, 15 hrs week, now hours reduced to approximately 10-15 hours weekly. Can my employer offer me insurance. Is their any assistance available?


Employers can offer insurance to part-time employees, but it is not mandated. If your employer offers coverage and it is “affordable” (defined here, then you would take that. If you don’t get offered that, assistance is based on “MAGI” income for the year (

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