Can An Employer Only Offer Coverage to Some Employees?

As a small business if you offer group coverage to one full-time employee you must offer to all, same with part-time. Employers have to offer group coverage and not just reimburse individual coverage to get the tax benefits.

How Do Employers Measure Full-time Status?

Under the ACA employers can use look-back periods of between 3 and 12 months. If an employee works more than 30 hours a week over a 120 day period, or at least 130 hours a month, they are considered full-time.

High Deductible Plan Too Expensive?

Under the ACA cheaper plans typically have high deductibles, the ACA limits what these can be, but it can still be costly. Here are some tips and tricks.

Employer Mandate Concerning Per Diem Employees

Per Diem employees can be considered full-time employees under the ACA if the work over 30 hours on average a year. Employers can use a look-back period of up to 12 months and reasonable methods of crediting hours to determine eligibility of full-time employees for health insurance. If an employee works more than 30 hours a week on average (or 28 as a safe harbor) they must be offered coverage as long as they maintain full-time status.

What Metal Levels Comply With the ACA?

I am trying to make sure that our Bronze Save plan with Aetna does not qualify toward the minimum wage for our medical benefits. If we have a Bronze Save plan with Aetna, is that the same (not necessarily the same plan but same “level” as a Bronze Metal Plan as defined in the federal Affordable
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