What if my business has 50 or more employees?
If your business has 50 or more employees, you are considered a "large business" under the health care law. Several important parts of the law apply to you.
Most large employers can’t use the SHOP Marketplace
If you have more than 50 full-time equivalent (FTE) employees, you generally won't be able to use the SHOP Marketplace to offer health insurance to them.
Starting in 2016, all SHOPs will be open to employers with up to 100 FTEs.
The Employer Shared Responsibility Payment
The Employer Shared Responsibility Payment is a requirement under the health care law that will apply to some employers with 50 or more employees in 2015 or 2016.
The Internal Revenue Service offers detailed questions and answers about the Employer Shared Responsibility Payment.
The Treasury Department has a fact sheet summarizing recent updates on the Employer Shared Responsibility Payment.
No employer with fewer than 50 full-time employees is subject to the Employer Shared Responsibility Payment in any year.
Under the Affordable Care Act, businesses covered by the Fair Labor Standards Act must report certain information about health insurance options to their employees.
Learn more about reporting requirements under the health care law.
How can I learn more about large businesses and the health care law?
Several other parts of the law affect businesses with 50 or more employees. Visit the Small Business Administration’s website to learn more.
What if I'm not currently offering health coverage to my employees?
If you have 50 or fewer full-time equivalent (FTE) employees, you don't have to make a Shared Responsibility payment, whether you offer coverage or not. You may use the SHOP Marketplace to buy coverage for your employees.
If you have more than 50 FTEs and don't offer coverage, or offer coverage that doesn't meet certain standards, you may have to make the Shared Responsibility payment.
Can employees opt out of my insurance and use the Marketplace instead?
This means you won't have to make an Employer Shared Responsibility payment for those employees.