I’m one of the HR personnel for a small business, the company is forming our 5 year plan for investors, we were looking at the benefits portion….

We realize at 50 employees we have to have a 95% rate… is this 95% of employees are offered or enrolled in insurance?

If this is the case would it behoove the company to offer benefits earlier to make sure we meet the quota?


If your business has over 50 full-time equivalent employees full-time employees must be offered coverage. Since it seems you will end up having to offer coverage it would be smart to include benefits as part of employee compensation from the get-go. This way you aren't trying to figure out how afford offering coverage down the road. Even if the ACA was repealed benefits are smart tax-wise and for employee retention.

Learn more about the employer mandate.

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