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Do I Have to Give My Employees Health Insurance?

There is a lot of confusion and some misinformation surrounding how the Patient Protection and Affordable Care Act, commonly known as "Obamacare", affects the requirements of business owners to give health coverage to their employees. While there are many regulations governing which businesses need to provide health care insurance to their workers, these regulations are in flux, with changes being made regularly.

There are some parts of the act that have not changed:

  • No employer must offer coverage to employees. The act only requires some employers who choose not to provide insurance to pay a fine.

  • Employers with less than 50 employees are not required to provide coverage, nor are these employers required to pay the fine under the act’s Shared Employer Responsibility part of the law.

  • The Shared Employer Responsibility section of the law does not currently go into effect until Jan. 1, 2015.

A detailed FAQ is available from the government’s IRS website which provides more detailed information about which employers are effected by the new law, and what the penalties are for violating it.

For more information on providing your California employees with health insurance, please contact Save-On Health Insurance Services in Los Angeles.