Affordable Care Act and Health Insurance Marketplace Information

  • The Patient Protection and Affordable Care Act (“ACA”) was signed into law on March 23, 2010. The following mandates have already been implemented:

    • Dependent coverage up to age 26;
    • Elimination of lifetime limits on essential health benefits;
    • No cost sharing for Preventive Health Services;
    • The cost of employer health plans reported as an information item on employee W-2 forms (2012 calendar year); and
    • Summary of Benefits and Coverage (SBC) is available to employees to compare health plan offerings (see the link on our website) 

    The newest mandate requires employers to share information about the new Health Insurance Marketplace with employees by October 1, 2013. Below is a notice from the U.S. Department of Labor with general information about the Health Insurance Marketplace. In California, the Health Insurance Marketplace is called “Covered California”.  Find specific details about Covered California.

    The Individual Mandate, effective January 1, 2014, is another provision that may have an impact on you. Individuals must obtain minimum essential health coverage or be subject to a penalty. Our understanding is that individuals will receive notification by the Department of the Treasury or the Internal Revenue Service at a later date. Please keep in mind that this information is based on what we currently understand. Many additional provisions are still pending final regulations. We will provide additional updates as regulations become final.

    For more information, see the information posted on the Employee Health Benefits page.

    If you have questions, you may contact our staff at

Employee Frequently Asked Questions (FAQs) on the Marketplace

  • Why was the notice titled “New Health Insurance Marketplace Coverage Options and Your Health Coverage” sent to me?

  • Why is the Marketplace being established?

  • Do I have to purchase health coverage through the Marketplace?

  • What if I am covered under my employer’s plan? Can I keep it?

  • Can I drop myself or my dependents from my Employment-Based Health Plan to purchase a plan through the Marketplace or outside of the Marketplace?

  • How do I know if I qualify for assistance to purchase my coverage through the Marketplace?

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