Employees No Longer Reimbursed for Health Insurance Premiums

Employees No Longer Reimbursed for Health Insurance Premiums

Not all companies offer employees health insurance. However, the Affordable Care Act has now made it a requirement for companies with at least 50 full-time employees to offer their workers health insurance. Some companies are still finding ways around that requirement.

Smaller companies that aren't required to offer health insurance try to offer a "benefit" by reimbursing employees for all, or part, of the premium they pay for individual health insurance. However, the Affordable Care Act has ruled this to be a violation of federal laws. By providing cash reimbursement, employers are effectively creating a group insurance plan without actually meeting the requirements for providing group insurance.

The federal government has ruled similar workarounds to be violations of the ACA. For example, employers cannot work with insurance vendors to offer employees a reimbursement plan that also allows them to use tax credits for marketplace coverage. Employees are also prohibited from offering high-risk employees like seniors a choice between enrolling in a group health plan or getting a cash bonus.

By working with the St. Louis insurance experts at Senior Health Solutions, employers can find a group insurance plan that can better meet the needs of their employees while saving  money.

St. Louis health insurance specialists find the right employee plans that meet federal guidelines


Senior Health Solutions specializes in finding insurance plans for seniors, who often struggle with finding affordable health care. Seniors often find themselves in situations where employers want to reduce or deny their benefits, such as by offering cash reimbursements.

We encourage employers to call the St. Louis health insurance specialists at Senior Health Solutions to find group plans that not only meet the needs of their employees, but also meet federal health care guidelines and are affordable. We can help you find the group plan that meets your company's budget without putting you at risk of violating federal laws and facing stiff penalties.

Call Senior Health Solutions today at (636) 244-4415 or fill out our online form to have a representative contact you with a range of insurance options.

Senior Health Solutions!
Count on us to have the plan to fit your needs
We serve clients throughout Missouri, Arkansas and Illinois, and is conveniently located just off 370 in St. Charles, MO. Call (636) 244-4415 or contact us online for an appointment.
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Important Information
How to enroll into Medicare
We can help you find a Medicare plan in your area to fit your needs. Once you decide on a plan we can walk you through the Medicare enrollment process.
How much is the cost?
These are the basic costs for people with Medicare. If you want specific cost information (like whether you've met your deductible, how much you'll pay for an item or service you got, or the status of a claim)
Do my doctors accept these plans?
Use this helpful link on the Medicare and Medicaid Services (CMS) website to find and choose Physicians and Other Healthcare Professionals enrolled in the Medicare program, as required by the Affordable Care Act (ACA) of 2010.
What to do if you don't want a part D
If you want to drop your Medicare Prescription Drug Plan (Part D) and you don't want to join a new plan, you can do so during the Open Enrollment Period, between October 15–December 7 each year. The change goes into effect January 1 of the following year.
Keeping your work benefits
Employer or union health coverage refers to health coverage from your, your spouse's, or other family member's current or former employer or union.
Medicare - Advantage Plans
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
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