The Affordable Care Act (ACA)’s Employer mandate requires applicable large employers (ALEs) to provide Health Insurance for all full-time employees or face steep penalties from the IRS. However, the law makes an exception for small employers with fewer than 50 full-time equivalent employees (FTEs).

Even though there’s no legal requirement, small employers still need to provide a robust Health benefit package to recruit and retain top talent. Many small organizations try to make their benefits packages more attractive by adding a group health plan.

However, group health insurance requirements are often complex, especially for small employers. In addition to the costly premiums, small organizations often struggle to meet group coverage participation requirements.