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1+: What's Coming Next - Provisions for 2015 & Beyond

Apr 03, 2015

The Affordable Care Act (ACA or health care reform law) has changed not only the way Anthem does business, but also the way most other companies do business. Now employers are responsible for complying with the law’s provisions. Most of these provisions took effect in 2010. But others are still planned to roll out between now and 2018.

Starting in 2015, employers with more than 100 total employees must offer Minimum Essential Coverage to 70% of their employees and their employees’ children. Coverage must be affordable and of minimum value. (Minimum value means the plan covers at least 60% of covered health care costs.)

Most states already consider a small group to be one with two to 50 employees. Starting January 1, 2016, this will change when a small group is redefined as having from one to 100 employees.

Employers with 51 to 100 full-time employees will be required to offer minimum essential coverage. Coverage must be affordable and of minimum value. Employers will be subject to penalties if they provide no health coverage to full-time employees or provide coverage that is not considered "affordable."

In 2016, employers with 51 or more full-time employees must offer coverage to 95% of their full-time employees and their employees’ children. The coverage must be affordable and of minimum value.

Looking ahead to January 1, 2018, a 40% excise tax will be added to high-cost plans ─ also known as "Cadillac" plans ─ that cost more than $10,200 for single coverage or $27,500 for family coverage. The insurer or employer will be responsible for paying the tax.

Employer checklists for ​Small Group (2-50) and ​Large Groups (51-100)
Anthem's checklists can help determine whether a health care plan complies with ACA reform law in 2015 and into the 2016 plan year. Employers can use their checklist to see what provisions apply to them by checking “Yes” or “No” in the right-hand columns. The chart gives a high-level look at current provisions and those to come.

For more details about specific provisions, visit

For questions, please ​contact a member of your b&p Sales Team - 888.722.3373.

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