Should I tell employees to buy on HealthCare.gov instead of joining my plan?
That is a decision to model before you make it, and one to take to your broker and your tax adviser. We are not lawyers or tax advisers.
The reasons are in the rules. Send us your renewal and we will give you a second opinion in writing.
Three reasons to slow down.
Subsidy eligibility
Employees offered affordable, minimum-value coverage are generally not eligible for premium tax credits (IRC §36B(c)(2)(C)).
The employer mandate
Employers with 50 or more full-time equivalent employees face the shared responsibility rules in IRC §4980H.
Equal treatment
Steering some employees away from the plan can raise nondiscrimination and fairness questions. Review it with counsel.
Keep reading.
HealthCare.gov premiums rise again in 2027
What the 2027 marketplace increases mean for an employer plan. Back to the marketplace page.
Keep reading on 2027 marketplace premiums.
What Is an Individual Coverage HRA and Is It Affected by 2027 Premiums?
Where these figures and rules come from.
Figures and rules
Premium tax credit eligibility: IRC §36B(c)(2)(C). Employer shared responsibility: IRC §4980H. This page is general information, not legal or tax advice.
Send us your renewal.
Four documents — the renewal letter, the plan summary, the contribution split by tier and enrolled counts by tier. We’ll come back with a competitive read, where we see opportunity, and the five questions we’d put to your carrier.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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