As leaders in employee benefits and group heath, Health Estimates is at the cutting-edge of an industry that’s continuously changing. Do you know if your company is considered an applicable large employer (ALE)? If so, what are your rights and responsibilities under the ACA?


Many of the provisions of the ACA only apply to large employers, which are those with 50 or more full-time or full-time equivalent employees. These employers are considered applicable large employers (also known as ALEs). According to the IRS, ALEs are subject to employer shared responsibility provisions of the ACA as well as the annual employer information return provisions.

However, all employers, regardless of size, that provide self-insured health coverage must file an annual return reporting certain information for individuals being covered.


Calculating your number of employees is crucial especially if you have or think you have close to 50 employees or if your workforce fluctuates throughout the year.

To determine your workforce size for a particular year, add your number of full-time employees for each month of the prior calendar year to the total number of full-time equivalent employees for each calendar month of the prior calendar year. Now, divide that number by 12, netting an average. This is your number of full-time employees for the calendar year (CY) in question.

Employers over 50 employees health insurance cannot purchase health through the Small Business Health Options Program (better known as the SHOP Marketplace). However, Employers that have exactly 50 employees can purchase coverage for their employees SHOP. For more information concerning workforce size, the definition of full-time employees, or other related matters visit www.IRS.gov/aca or contact a Health Estimates agent today.


Let us save you two of life’s most valuable things—YOUR TIME and YOUR MONEY. Shopping for the right GROUP HEALTH plans can take up a significant amount of both.At Health Estimates, we’re here to guide you throughout the process.

By connecting with one of our licensed, professional agents, you will get the best quotes in the U.S from top quality carriers such as Blue Cross, Aetna, Humana, and more.Good group health insurance is more than just handling broken arms or root canal costs. Quality coverage means sleeping at night, because you know your employees and their families are protected.

Not to mention, you can attract and retain quality employees with EASE. That’s why we’ve partnered with EASE. Administer and manage your employee benefits and group health with EASE using all new state-of-the-arts tools, helpful dashboards, and more!


We are Health Estimates, your trusted allies in group health and employee benefits!