Large Groups

• CBC-Source
• Delay in Employer Mandate
• What Is A Large Group?
• Eligibility Determination
• Employer Penalties for Not Offering Coverage
• Minimum Essential Coverage
• Affordability
• Form W-2 Reporting Requirements
• Automatic Enrollment
• Plan Design & Coverage Issues
Preventive Care Coverage $2,500 Contribution Limit for FSAs Annual Limits Excessive Waiting Periods Pre-existing Condition Clauses Coverage for Clinical Trial Participants Comprehensive Benefits Coverage (Essential benefits) Limits on Cost-sharing Nondiscrimination for Fully-Insured Plans
• Disclosure Requirements
Notice of Exchange Summary of Benefits and Coverage 60 day Notice of Plan Changes Notice of Recission Statement of Grandfathered Status
• Health Plan Fees
Research Fees Reinsurance Fees
• Employer Obligations
• Wellness Programs
• Exchanges
Public Exchanges Private Exchanges Subsidies Employee / Participant Eligibility
• How does it affect you?
Currently Do Not Offer Coverage Will Offer Coverage in 2014
• Quick Links

While ACA’s state-based Exchanges are scheduled to be effective in 2014, some private health insurance exchanges targeted at employers are already operational. As a growing trend, these private exchanges create a marketplace for employees to compare options and shop for coverage. At the same time, they allow private health care companies to market their products at a single location to clients throughout the country.

The private exchanges may be most useful to larger employers that will not be eligible to use ACA’s Exchanges until 2017 at the earliest.

Some employers may use the private exchanges to offer employees a defined contribution model of purchasing health coverage. Under this model, employers provide employees with a lump sum amount and direct them to an exchange where they can select a health plan from a large array of options. However, beginning in 2014, employers with more than 50 workers may be subject to a penalty under ACA if they do not provide health coverage to their employees, or if the health coverage they offer is not affordable or does not provide minimum value. 

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