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Health Insurance Glossary

Definitions for common health insurance terms

employer shared-responsibility provision

DEFINITION: This ACA provision took effect in 2015 and applies ONLY to employers with at least 50 full-time equivalent employees. The employer shared responsibility provision requires these large employers to offer affordable health insurance that provides minimum value to all full-time employees (working at least 30 hours per week).  If they do not, and if at least one of the employees receives a subsidy to purchase health insurance in the exchange, the employer will be assessed a penalty.

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I have insurance through my husband’s…

January 2, 2017 – Q. I have insurance through my husband's employer, so I don't need my employer's coverage. But my company said I have to work fewer than 30… Read more

I’m self-employed and am hiring…

June 16, 2016 – Q. I'm self-employed and am hiring some employees. Under Obamacare, am I obligated to provide health insurance for them? A. No, unless… Read more