Health Care Reform - Employers

Providing health insurance for employees has become a cornerstone to attract and retain good talent. Most employers even feel a moral obligation to provide these benefits to their employees but things are changing. The Affordable Care Act has taken away many of the advantages that the group health insurance market once held over the individual market. There are new penalties and requirements that you must also be aware of. The resources below are designed to give you the most up to date information available to navigate the new realities.

Penalty Calculator

Provided by the US Chamber of Commerce, the penalty calculator can help employers determine whether they are required to offer coverage and what the penalty may be based on the number of full-time employees.

Use the Penalty Calculator


Employer Responsibility Under the Affordable Care Act

The Affordable Care Act does not require businesses to provide health benefits to their workers, but larger employers face penalties if they don't make affordable coverage available. Enforcement of those penalties will begin in 2015, a year later than originally scheduled. This simple flowchart illustrates how those employer responsibilities work.

Private Exchanges - What Employers Need to Know

As we approach the full implementation of the health reform legislation next year, employers have a lot to think about: Which provisions apply to them? What will happen to their premiums? And would they be better off dropping their coverage altogether?

Explaining Health Reform: How will the Affordable Care Act affect Small Businesses and their Employees? Read full article (


"Health Insurance Explained: The YouToons Have it Covered" - Animated video explains basic changes in how Americans can obtain health coverage in 2014.

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