A Guide to 2019 ACA Affordability Percentages for EmployersUpdated February 11, 2020

Despite all the efforts to repeal the Affordable Care Act (ACA), employers should know that the ACA employer mandate remained in full force in 2019 and for now, will remain so in 2020 and beyond. A key component of that employer mandate is offering affordable healthcare coverage to eligible full-time employees.

Affordable Healthcare Coverage Defined

Under the ACA, ALEs (Applicable Large Employers) must periodically (usually monthly) offer at least 95% of their eligible full-time employees quality health insurance coverage, and fulfill all ACA reporting requirements around that, or risk paying penalties.

Qualifying plans must offer:

  • Minimum Essential Coverage (MEC)
  • Minimum Value (MV