How Much Will Health Care Reform Cost Your Business?

No

Yes

do you have at least 50 full-time eauivalent employees?

$0there's no penalty

your emplyees can buy coverage in an online marketplace(exchange) and receive a premium tax credit

$0

Not providing affordable coverage will cost you $3K annually for every employee receiving a credit.

does your plan pay for at least 60% of coverd health care expenses for a typical population

do you offer coverage to your employees?

not so fast! these penalties increase each year by the growth in insurance premiums.

you are off the hook!Penalties don't apply to small employers.

do any employees have to pay more than 9.5% of their family income for the employer coverage?

did at least one employee receive a premium tax credit or a cost sharing subsidy in an exchange?