Employer Education Center
Blue Cross of Northeastern Pennsylvania is now Highmark Blue Cross Blue Shield. Your health insurance coverage will continue to be offered by Blue Cross of Northeastern Pennsylvania until you renew for 2016. To help you make the best choice in health insurance coverage, you need to be informed about Health Care Reform. This website will give you the information you need about the Affordable Care Act (ACA) and tools, news and resources designed just for you.
You can also learn how the ACA impacts individuals and see how individuals can enroll in affordable coverage on our Health Care Education Center at BlueCrossNEPAStore.com/learn. Or, check out DiscoverHighmark.com/individuals-families to learn more about health insurance and Health Care Reform.
The Affordable Care Act (ACA) has made sweeping changes to health insurance since it went into effect. We want you to be informed about how the ACA might impact your group coverage in 2015. You can download our brochure to learn more about the ACA basics and what it means for your coverage, check out the timeline of all the ACA provisions or see what drives your 2015 group health insurance plan costs.
Keep in mind, not all provisions affect large and small employers the same. Check out information designed just for small or large employers so that you know what changes will affect you.
For small employers, the ACA has changed the health insurance coverage you offer your employees. For example, small group rates for new health insurance plans can vary based on only a limited number of factors, including age, tobacco use and level of coverage—and cannot be based on health status. If you are a small employer looking to offer new group coverage, your plan must include the Essential Health Benefits. Make sure you are compliant with the ACA—download the ACA Checklist for Small Employers.
You may qualify for a small business health care tax credit if you have fewer than 25 full-time and full-time equivalent employees making an average of $50,000/year or less. Learn more.
For large employers, the biggest changes from the ACA start in 2015. This includes the Employer Shared Responsibility Requirement, a requirement that large employers must offer affordable health insurance coverage that meets minimum value to their employees, or pay tax penalties. The definition of large employer under this provision is complex and changes from 2015 to 2016. Download our worksheet to help figure out if you will be considered a large or small employer in 2015. And, make sure you are compliant with the ACA—download the ACA Checklist for Large Employers. For more details on some of the key provisions for 2015, check out our fact sheets on the following topics: