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ACA Employer Shared Responsibility: Key Updates for 2026

  • On September 3, 2025
The Affordable Care Act (ACA) requires applicable large employers (ALEs) to provide full-time employees (FTEs) with health coverage that is both affordable and of minimum value (MV). Employers that fail to meet these standards may face penalties under the “employer shared responsibility” (commonly called the “pay-or-play” rules). An ALE only becomes liable for penalties if one or more […]
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Key Points for Employers: The OBBB Act and the Shift Back to Group Health Plans

  • On August 11, 2025
The intent of this article is to help employers understand how the One Big Beautiful Bill Act (“OBBB Act”)—specifically the rollback of Affordable Care Act (ACA) subsidies—may influence employee health coverage choices and drive enrollment back into your group health plan. What Changed? Why this Matters to Employers The Employee Decision Equation When choosing between individual coverage […]
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OBBB Act Could Drive Migration Back to Group Health Plans — Consultants Should Prepare Now

  • On August 11, 2025
The One Big Beautiful Bill Act (“OBBB Act”), signed into law on July 4, 2025, is poised to reshape the health insurance landscape—particularly in the individual market. By rolling back key Affordable Care Act (ACA) subsidies, the legislation will likely drive premiums higher and reduce affordability for many individuals who have been relying on marketplace coverage. For […]
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New Federal FAQs on ACA-Related Policies

  • On February 12, 2024
The Biden Administration has released two new sets of frequently asked questions (FAQs) documents addressing policy issues of the Affordable Care Act (ACA), Contraceptive Coverage FAQs and Premium Tax Credit FAQs.
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Preventative Care Coverage for 2024

  • On December 12, 2023
The Affordable Care Act (ACA) requires all non-grandfathered health plans and health insurance issuers to provide plan participants with access to certain preventive care services on a first-dollar basis. Plans and health insurance issuers cannot impose any cost-sharing on these services, which means no deductibles, co-payments, or co-insurance may apply. The preventive care services that […]
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IRS Releases 2024 Adjustments and Benefit Limits for ACA Affordability and More

  • On November 10, 2023
With 2024 approaching fast, the IRS has begun to release some of next year’s indexing adjustment and benefit limits for health and welfare plans. One of the most-watched IRS adjustments each year is the required contribution percentage used to determine whether employer-sponsored health coverage is considered affordable under the Affordable Care Act (ACA). The IRS […]
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