The ACA requires eligible employers to offer health coverage. Learn about safe harbor options for affordability determination.
As mandated by the Affordable Care Act (ACA), eligible employers must offer healthcare that meets minimum essential coverage (MEC) requirements to 95 percent of their full-time employees and their dependents.
The law also indicates your employees’ required contribution for self-only coverage must be no more than a specific percent of their household income (this percentage is adjusted for each plan year).
However, since employers do not often know their employees’ household incomes, the ACA has created safe harbors that can be used in lieu of household income to determine affordability. Learn more about your safe harbor and affordability questions.