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Planning For Health Care Reform: How Income Impacts Employee Health Benefits Participation Planning For Health Care Reform: How Income Impacts Employee Health Benefits Participation

Under the Affordable Care Act (ACA), understanding the relationship between employee income, health insurance premiums, and plan participation is critical, because your employees’ circumstances can potentially create costly tax penalties for you. Read this white paper to help understand ACA penalty drivers and ways to minimize penalties.

Mitigate Your Exposure to ACA “Shared Responsibility” Penalties

The ACA’s Shared Responsibility requirements are among the most significant and complex provisions of the ACA. They place a compliance responsibility on individuals to obtain at least a minimum of healthcare coverage and on employers to offer their employees an affordable health plan that provides a minimum value. This white paper focuses on the relationship between employee income and plan participation rates, and discusses how substantial tax penalties are encouraging ACA compliance measures.

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ARTICLE
Maximize ACA Success: Understand Cost Thresholds and Employee Needs

VIDEO
Planning For Health Care Reform: How Income Impacts Employee Health Benefits

WEBINAR
Health Care Reform: Strategies to Help Control Costs, Mitigate Risk, and Decrease Penalties

PDF
5 Strategies to Help Businesses Navigate Health Care Reform

INFOGRAPHIC
Group Health Plan Participation Rates and Employee Income Level - Connecting the Dots

Maximize ACA Success: Understand Cost Thresholds and Employee Needs

The proposed regulations interpreting Shared Responsibility establish 9.5% of an individual’s wages as one of the “affordability thresholds” for employer-sponsored healthcare coverage. Read this white paper to learn about the relationship between employee income and plan participation rates, and how your knowledge of premium thresholds can help mitigate tax penalties, while helping your employees obtain the minimum-acceptable coverage they need.

GO DEEPER:   Show allHide all


ARTICLE
Mitigate Your Exposure to ACA “Shared Responsibility” Penalties

VIDEO
Planning For Health Care Reform: How Income Impacts Employee Health Benefits

WEBINAR
Health Care Reform: Strategies to Help Control Costs, Mitigate Risk, and Decrease Penalties

PDF
5 Strategies to Help Businesses Navigate Health Care Reform

INFOGRAPHIC
Group Health Plan Participation Rates and Employee Income Level - Connecting the Dots

Download the Full Report

Planning For Health Care Reform: How Income Impacts Employee Health Benefits Participation

Download our complimentary white paper, “Planning For Health Care Reform: How Income Impacts Employee Health Benefits Participation.” Gain insight into plan participation and ACA cost thresholds, and the relationship between employee income levels and participation rates in employer group health plans.

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Planning For Health Care Reform: How Income Impacts Employee Health Benefits Participation

*A complete list of sources and citations can be found in the full report.

About This Report: Conducted by ADP Research Institute, a specialized group within ADP, this study is based on 2012 actual, aggregated and anonymous employee-level data from approximately 300 ADP health and benefits clients. All states and major industries are covered, as well as employee gender, age, and marital status. Each of the companies in the study has 1,000 or more employees, including both full-time and part-time workers. Due to the small data set population of union employees, only nonunion employees are considered in this analysis.

Planning For Health Care Reform: How Income Impacts Employee Health Benefits ParticipationPlanning For Health Care Reform: How Income Impacts Employee Health Benefits Participation

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