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<h1>The Affordable Care Act for Employers</h1>

The Affordable Care Act for Employers

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Health Care Reform is now health care

2010: Dependents covered to age 26

          Preventive service coverage at no cost to members

2012: SBCs (Summary of Benefits and Coverage) introduced

2014: Essential Health Benefits introduced

          NY State of Health opened to individuals & small businesses

2015: Employer Shared Responsibility mandate begins for employers with >100 FTE employees

          First Minimum Essential Coverage Reporting year

2016: Employer Shared Responsibility mandate for all employers with >50 FTE employees

          Community Rating for employers with 1-100 FTE employees

2017: NY State of Health can choose to open marketplace to large groups

2018: Cadillac Tax on plans with high premiums


Essential Resources:


New in 2015-2016

New rules apply based on how many FTE employees you have: ACA by FTEs (PDF)


Cadillac Tax - Coming Soon

The Affordable Care Act introduced a 40% Excise Tax on High Cost Employer-Sponsored Health Coverage, also known as the Cadillac Tax.

The Cadillac tax will begin in 2018. It’s calculated on a monthly basis and applies when an employee enrolls in coverage that costs more than the monthly limit set by the IRS. The 40% tax applies to the amount over the monthly limit.

  Estimated Monthly Limit*: Estimated Annual Limit*:
Self-only coverage: $850 $10,200
Self + at least one dependant**: $2,291.66 $27,500


* These limits apply in 2018, will increase each year to account for inflation, and may be higher for retirees ages 55-64 and employees in high-risk professions

** Multi-employer coverage uses self + dependent limits

The IRS is still working out the exact details. For more information, go to http://www.irs.gov/Affordable-Care-Act/Affordable-Care-Act-Tax-Provisions.


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