Understand Healthcare Reform’s Impact on Businesses

Impact of healthcare reform on employers

What you need to know to manage the changes

As you navigate through the recent changes to healthcare and employer responsibilities, you can look to Humana to find solutions and the tools you need to support your employees and keep costs manageable.

The future of healthcare in the workplace

There are still many questions about healthcare reform—known as the Affordable Care Act. Armed with the facts, you can make informed choices for your business.

Healthcare changes that matter to your business and your employees

It’s important to note that the definition of a “large employer” changed in some states effective January 1, 2016. Prior to January 1, 2016, “small employer” was defined as 1 to 50 employees and “large employer” was defined as 51 or more employees. Due to the passage of the Federal PACE Act in late 2015, states were given the option to define “small employer” as either 1 to 50 employees or 1-100 employees. The state decisions were effective January 1, 2016. Effective January 1, 2016, most states elected to keep the definition of “small employer” as 1-50 employees.

Small business defined by state

Arizona 1-50 Colorado 1-100 Florida 1-50
Georgia 1-50 Illinois 1-50 Indiana 1-50
Kansas 1-50 Kentucky 1-50 Louisiana 1-50
Michigan 1-50 Mississippi 1-50 Missouri 1-50
Nevada 1-50 Ohio 1-50 Tennessee 1-50
Texas 1-50 Utah 1-50 Wisconsin 1-50

Healthcare reform resources

Whether you are part of a small or large business, healthcare reform will affect your business.

Our educational tools and webinars offer simpler ways to find information about new requirements and what you can do to prepare for changes to your benefit programs.

Review the Affordable Care Act provisions for small business

Healthcare reform eBook:

Cracking the Code: Healthcare Reform – What Employers Need to Know

Our employer eBook focuses on ACA provisions that affect both small and large employers. This interactive resource contains links to important websites, forms, videos and even the updated Employer Shared Responsibility Calculator.

Check out the HCR Employer eBook Cracking the Code.(1.7MB)

Adjusted Community Rating – the basics (82.7 KB) Watch video

Healthcare Reform Benefits Decisions Roadmap (990KB) A guide to understanding employer benefits options

Comparative Effectiveness Fee – the basics (85KB) Watch video

Transitional Reinsurance Fees - the basics (220 KB) Watch video

Where to go from here

The only constant is change. The best thing you can do to protect your employees from this kind of uncertainty is to stay informed. Keep on top of the latest healthcare reform news at websites such as those from the Kaiser Family Foundation.

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This information is only a high-level summary of certain provisions of the healthcare reform law. This information does NOT attempt to summarize all provisions of the healthcare reform law. This information is not and should NOT be used as legal or tax advice; it should not be used as a basis for decisions regarding how the healthcare reform law will affect you and/or your business. Should you have any questions on how the healthcare reform law (including the high level summary of certain provisions of healthcare reform) will affect you and/or your business, you should seek professional advice from attorneys or other advisors.