What Large Business Employees Need to Know
If you get coverage through your employer
If you work full time at a large business with more than 100 full-time employees and get health insurance from your employer, chances are health care reform won’t affect you too much right now. The good news is there’s nothing you need to do. You can continue getting health insurance from your employer.
Health plan benefits
Health care reform doesn’t require health plans for large businesses to offer essential health benefits (EHBs). But if they do, the 10 EHBs are:
- Ambulance service
- Emergency care
- Laboratory services
- Maternity and newborn care
- Mental health and substance use services
- Pediatric oral and vision services
- Prescription drugs
- Rehabilitation and habilitative services
- Services for preventive care, wellness, and chronic disease management
Health care reform only requires EHBs in health plans for people who get insurance on their own through an individual plan or through a small business employer.
For example, you can get incentives for participating in HMSA Well-Being Connection’s Healthways Well-Being Assessment, health education workshops, or stop-smoking programs. Check with your employer for details.
Gallup-Healthways Well-Being Assessment is a trademark of Healthways, Inc. All rights reserved.
If you don’t get coverage from your employer
If you work part time (less than 20 hours a week) and don’t have insurance, you’ll need to get it. The health care reform law says almost all Americans need health insurance. If you don’t buy coverage, you may have to pay a fine to the federal government. Because of health care reform, you won’t be denied coverage, even if you were denied before because of a serious health condition.
How to get health coverage
If you don’t have coverage, don’t worry. We’ll help you choose an HMSA health plan that’s right for you.
This information is based on HMSA’s review of the Affordable Care Act (ACA). This overview is intended for educational purposes only and should not be used as tax, legal, or compliance advice.