Health Care Reform Guide

Going Above & Beyond!

When it comes to benefits options, the sky’s the limit. We can help you create a benefits plan that offers better benefits with fewer costs for you and your employees.


An Aerial View of the Challenging Health Care Reform Landscape!

The Patient Protection and Affordable Care Act has left many employers wondering if their health care benefits package meets new federal requirements. Here are the answers to the most common questions we get regarding health care reform.


Health Care Reform FAQ

Get your questions answered.

Contact us for additional information.


Is my company required to comply with the Affordable Care Act?

If you employ fewer than 50 people, you do not need to comply. If you employ 50 to 100 employees, you must comply by 2016. If you employ 100 or more employees, you must have complied by 2015.

If so, whom do I need to cover?

All full-time employees who work at least 30 hours of service each week and their dependent children under the age of 26.

What are the potential penalties of not complying?

  • $3,000 per full-time employee if you offer unaffordable coverage or if your coverage does not meet minimum value requirements.
  • $2,000 per full-time employee if you do not offer any coverage.

What’s the waiting period under the Affordable Care Act?

The new waiting period is 90 days for group health plans and group health insurers.

What is the small employer tax credit?

The tax credit is for companies who employ fewer than 25 employees, pay less than $50,000 per full-time employee in wages, and provide health insurance through a government health insurance marketplace. The tax credit is equal to 35 to 50 percent of the amount the employer pays in premium contributions.


Find a Blue Sky agent near you.


Contact Us