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Record ACA Marketplace enrollments, will surely mean much higher ACA penalties. Everyone is aware of the employer penalties, but what about employees who are penalized? Yes, employees! Considering, for example, 2 out of 3 enrollees in CA will be paying monthly premiums of less than $10. So, what is the issue? The issue is that many employees, especially in industries such as home health, staffing, or other lower hourly wage industries, will be offered ACA compliant, and affordable, healthcare, and turn it down, because their monthly contribution is north of $150. Their rationale is why would I pay $150 when I am paying $10, and it covers my entire family. In reality, they are no longer eligible for the premium subsidies, and the IRS will catch up with them. Benefit Disruptors can show employers, and employees, in those types of industries, how to have the best of both worlds.

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