The Patient Protection and Affordable Care Act (ACA)

The Patient Protection and Affordable Care Act (ACA), also known as health care reform, was signed into law in March 2010. The law is complex and impacts both employers and individuals. This page provides an overview of how Carle is meeting the requirements and how this new legislation impacts you as an individual.

The existing benefits at Carle meet the ACA’s requirement for affordable employee coverage and benefit value, and fulfill the requirement that individuals are offered coverage.

What is the employee's responsibility?

The ACA requires most Americans to have medical insurance or they will be charged a penalty. Insurance coverage includes insurance through an employer-sponsored plan (such as Carle’s plan offered to benefits-eligible employees), Medicaid, Medicare, or private insurance.

Individuals who do not have other coverage can purchase health insurance from the Health Insurance Marketplace, also known as the exchange, and possibly qualify for a subsidy. For more information on the options available to you, please visit www.healthcare.gov.

What is Carle's responsibility?

The ACA requires that all large employers (50 or more employees) like Carle offer health insurance benefits to all employees who average 30 or more hours per week.

Carle is meeting this requirement as we offer coverage to employees working at least 20 hours per week.

To comply with the regulations, quarterly reports are being run to monitor the average number of hours worked by those non benefits eligible employees. It is important for managers to ensure their employees are placed in the correct status.

LEARN MORE ABOUT ACA