Real answers for your healthcare questions
Does my employer have to offer health insurance?
Answer
Not every employer is required to offer health insurance. Under the Affordable Care Act, certain large employers can face penalties if they do not offer qualifying affordable coverage to enough full time employees and their dependents.
What to Know
Smaller employers generally are not subject to the same federal employer mandate, although they may choose to offer coverage. Other federal and state rules can still apply to the benefits they provide, and the exact definition of a large employer uses specific employee counting rules.
What to Do Next
If your employer does not offer coverage, check the Health Insurance Marketplace to see what individual coverage and financial assistance may be available. Small business owners should get current guidance before setting up employee benefits.
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