ACA Penalties for Failure to Provide or Have Coverage Are Still Around

finance business calculation with calculator and pen on chart

There is a lot of confusion out there concerning ACA penalties. The 2018 tax act did not eliminate any employer penalties for not offering health insurance coverage. The only change was reducing the individual coverage penalty to zero – however, this change does not go into effect until 1/1/2019. Applicable large employers (ALEs) with more… [Read More]

Employers Aggressively Pursuing “Skinny” Plans to Meet ACA Requirement


Designing “skinny plans” will get high marks for creativity. These “skinny plans” or “MEC plans” cater to a liberal interpretation of meeting ACA’s Minimum Essential Coverage requirement, leading employers, particularly with large hourly workforces, to aggressively pursue them. Skinny plans cover the ACA’s required essential preventive care services, comprising 15 covered preventive services for adults (22 for women, including pregnant women) and 26 for… [Read More]

Large Employers: And You Thought You Got a Break!


It seemed like large employers were given a bit of relief in the final Affordable Care Act regulations published last week.  Now, in 2015, only 70% of FTEs will need to be covered to avoid the $2,000 penalty for not offering coverage meeting the minimum value standard.  The requirement that coverage be offered to 95%… [Read More]