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Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.
All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.Login To Prism
My client now has more than 50 employees, are they required to offer health coverage?
Not necessarily, but you will want to help them evaluate their situation carefully. The Affordable Care Act (ACA) requires that employers with an average of 50 or more full-time (FT) plus full-time equivalent (FTE) employees offer affordable, minimum value coverage to all full-time employees or they may be penalized. Employers that meet this employee count criterion are considered Applicable Large Employers (ALE’s).
Here are the key elements to consider:
Returning to the original question, you can see how it is possible to have more than 50 employees and not be required to offer coverage. If, for example:
The calculation method described above provides an approximate count and is not to be used for final decision-making. Factors such as whether there are seasonal employees or if the employer is part of a controlled group, will impact the calculation. Claremont can assist with providing you and your client with an estimate by using standard payroll data. However, if it is a close call and the employer is near the 50 FT plus FTE employee threshold, it is strongly recommended that you engage with the company’s tax advisor or professional payroll vendor, both of which may offer ACA Large Employer compliance services.
There may be a more recent answer to this question. Contact Claremont for an update.