Is My Employer REQUIRED to Offer Health Coverage?

 

If your employer is a "small employer" (LESS THAN 50 full-time equivalent employees), then the employer is NOT required under the law to provide any health insurance to its employees.

If your employer is a "mid-size employer" (At LEAST 50 but less than 100 full-time equivalent employees), then the employer MUST offer its full-time employees and their dependents the opportunity to enroll in minimum essential health coverage under an employer-sponsored plan. Employers who do not offer coverage to at least 95% of eligible employees and their dependents may be liable to pay a tax penalty.

If your employer is a "large employer" (AT LEAST 100 or more full-time employees including full-time equivalents), then the employer MUST offer its full-time employees and their dependents the opportunity to enroll in minimum essential health coverage under an employer-sponsored plan. Employers who do not offer coverage to at least 70% of eligible employees and their dependents may be liable to pay a tax penalty.

 

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