Employee Benefits


What if the employer mandate is repealed?

The Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer affordable, minimum value health coverage to their full-time employees in order to avoid possible penalties. Because this employer mandate has been criticized as burdensome for employers and an impediment to business growth, it seems likely that its repeal will be part of any Republican plan.

If the employer mandate is repealed, many ALEs will likely want to modify their plan designs to go back to pre-ACA eligibility rules (for example, requiring employees to have a 40-hour a week schedule to be eligible for benefits). Employers may also consider increasing the amount that employees are required to contribute for group health plan coverage.

When making plan design changes, employers should review their compliance obligations under the Employee Retirement Income Security Act (ERISA) and the ACA mandates that may remain intact.


Relevant Resources

Employees have a chance to save on their care through a health savings account, with triple the tax benefits and generally a lower paycheck cost of coverage. Review and share our HSA Guide with employees.

It may surprise you to learn that cigarette smoking continues to be the single largest cause of preventable disease and death in the United States. While only 20 to 30 percent of your workforce may actually use tobacco, the cost to your plan over time is significant. Check out this Wellness Council of America (WELCOA) infographic for more information on the true cost of tobacco use.



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