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平价医疗法案对小企业来说是福音还是祸害?• Exact Staff, Inc.

平价医疗法案对于小企业来说是福音还是祸害?

平价医疗法案 (ACA) 随处可见,如果您是一家小型企业,您可能会担心其未来会如何。ACA 的实施从 2013 年和 2014 年开始分阶段进行。我们 ExactStaff 团队整理了 ACA 的主要条款,以及它对您的小型企业意味着什么。

  • 小型企业医疗保健税收抵免。
    这些抵免旨在帮助小企业负担员工的医疗费用。2014 年,全职员工人数少于 25 人且年平均工资低于 $50,000 的小企业将获得最高 50% 的抵免,以抵消员工的健康保险费用。
  • 小型企业健康选择计划。
    平均而言,由于行政成本,小企业支付的健康保险费用可能比大企业高出 18%。这项新的健康选择计划为雇主提供了更多选择,让他们能够以较低的成本获得高质量的保险。
  • 福利和保险范围披露规则摘要。
    该条款规定,雇主必须向员工提供一份标准的福利和保险范围摘要表,说明其计划涵盖的内容和费用。该表旨在帮助员工更好地了解和评估他们的健康保险选择。
  • 最长等待期为 90 天。
    从 2014 年开始,有资格通过小型企业享受医疗保健的员工不再需要等待 90 天才能开始享受保险。
  • 工作场所健康计划。
    这项规定为推广健康计划的小型企业提供激励,并鼓励员工过上更健康的生活方式。例如,这些计划为达到与健康相关的特定标准(如不吸烟)的个人提供奖励。从 2014 年开始,使用健康计划的小型企业有资格获得相当于医疗保险费用 30% 的奖励。对于专门为减少和预防吸烟而设计的计划,奖励最高可达 50%。

这些针对小型企业的规定只是《平价医疗法案》众多规定中的一部分。请注意,其中一些规定已经生效,而其他规定将于 2014 年 1 月 1 日开始生效。有关《平价医疗法案》如何影响小型企业的所有信息都可以在这里找到 这里,但要了解这对您的小型企业意味着什么, 今天就联系我们!

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