ACA Update: No Change, For Now

The Affordable Care Act (ACA, or what is also known as “Obamacare”) has been in the news almost constantly over the past several weeks. Last week interest peaked when three separate bills were proposed to the Senate and all three were rejected.  

At this point, the ACA continues to be federal law and all mandates, penalties, and enforcements remain in effect. Aureon, along with the insurance carriers and health care consultants we work with, continue to monitor the legislative developments surrounding health care and the ACA. Together we will make sure that Aureon HR’s clients are fully compliant with the rules and regulations of the ACA.

A reminder to our clients:

The Aureon-sponsored health insurance plans meet the “minimum and essential coverage” requirement of the ACA. As our health plans approach their annual contract year anniversary date of October 1, if you were determined to be an Applicable Large Employer (ALE) in 2017, we will ensure that the contribution strategy you decided on meets the “affordability” requirements of the ACA and conduct the necessary testing to determine if any of your part-time employees met the definition of eligibility for health care in 2017. We will notify you and them if they are eligible to participate in our plans.

In 2018, we will determine which of our co-employer clients are ALEs, based on the number of full-time equivalent employees you had in calendar year 2017. Under the ACA, an ALE is generally defined as those with at least 50 full-time equivalent employees. While it is possible the ACA will be repealed and replaced, Aureon HR will continue to work towards reporting required health plan and participant coverage-related data to the IRS by the March 31 deadline, on behalf of our ALE clients. Note: Small employers who offer only fully-insured plans, or no coverage at all, are not subject to these reporting requirements.

If you are not an Aureon client and wish to discuss how the ACA impacts your business, please contact us at either 833-558-9869 or by clicking here and selecting the HR option in the form.

Small Business Owner Regulations

Pat Gagne

Pat Gagne, FLMI, Vice President of Benefits for Aureon HR, brings more than 35 years of experience in the field of employer group insurance benefits to Aureon HR's team. Having owned and run a small Iowa-based employer for 25 years prior to joining Aureon HR, Pat brings a small employer's perspective on benefit plans, compliance issues and customer service.


August 4, 2017

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Pat Gagne


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