FAQ

What Does Health Care Reform Mean for Your Business?

NSBA's health care policy experts answer the most pressing questions facing small buisness under the new health care legislation. Click on the links below to find answers to these questions.
1. Will I be required to provide health insurance to my employees and their dependents? If I already offer coverage, are there any requirements that I must follow?


2. How are full-time employees defined and do part-time or seasonal employees count toward the free-rider provision?


3. How does an employee qualify for premium subsidies in the Exchange?


4. What is the “free-choice voucher” and how is it different than the free-rider provision?
5. Does an employee have to take an employer’s insurance if offered?
6. When are the tax credits available for small businesses that provide insurance to their employees? How do employers get those tax credits? Will the self-employed be eligible?
7. What is a full-time equivalent employee for purposes of this tax credit? How do I calculate my average wages? Do seasonal employees count towards the calculation of full-time equivalents? Are there any exceptions?
8. How can I find out what my tax credit will be for my business?


9. How do employers, their employees and dependents access the new Exchange?
10. Will the cost of my health insurance premiums go up post reform?


11. What is the minimum coverage that everyone is mandated to carry? Are there different levels of coverage? Is there a “bare-bones” option?


12. What is meant by an actuarial value of a health insurance policy?
13. How will my out-of-pocket costs change under the new law?


14.Will there be any changes to flexible spending accounts (FSA) or health savings accounts (HSA)?


15. Will I really be able to keep my current insurance policy?


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