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Health Care Reform and Your Company

Health Care Reform and Your Company

Health Care Reform for Small Employer Groups

Beginning January 1, 2016, a small employer is defined as a business with up to 100 full-time employees, including full-time equivalents. This definition determines whether a Colorado-based business will be offered metal-level plan options and be rated as a small employer group.

If you offer the same group health coverage that was in place on March 23, 2010, you may be enrolled in a Grandfathered Health Plan (see non-grandfathered plan for specifics). RMHP will continue to offer these plans to you and the group size change for small employers will not affect grandfathered plans.

No matter what plan you have, your business must comply with the new waiting period requirements for health insurance eligibility. The waiting period limit can be no more than 90 days for newly eligible full-time employees.

Your company may introduce an orientation period of up to 30 days that can be added on to your waiting period, resulting in up to 120-days before coverage is offered. RMHP will allow a maximum waiting period of the first of the month following 2 months of employment, or the first of the month following 3 months of employment when an orientation period is established. We know this can be complex; please contact us with any questions.

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Health Care Reform for Large Employer Groups

Beginning in 2015, large employers who meet the definition of an “Applicable Large Employer” must offer affordable healthcare coverage to their full-time employees or be subject to financial penalties.

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