22 Jan ACA Update: How Will the ACA Affect You?

Congress first passed the Patient Protection and Affordable Care Act (PPACA) in 2010 – now referred to as the ACA – as a way to provide Americans with affordable, accessible healthcare and insurance coverage. With the new regulations now in full effect, the ACA continues to present daily questions, challenges, and opportunities. We work with our clients one by one to determine what (if any) modifications they need to make to their wellness incentive strategy.


  • Incentive differentials may not exceed 30% of the total cost of coverage offered – with a tobacco differential this can be increased to 50%. In other words, anything above 30% can only be tied to tobacco (for total of 50%).
  • Programs must include health improvement tools and resources for all your employees such as health coaching, Weight Watchers at Work, and walking programs. Be sure to have a go-to list of your offerings, disclose the necessary information to participants, and set them up for success.
  • Reasonable alternatives provide all participants with an alternative way to meet a health-contingent, outcomes-based goal. A reasonable alternative can be progress or improvement-based goals or participation-based programs and must be tracked.
    • Do you have a smoking cessation program lined up? This is the only alternative available for tobacco/nicotine users.

Our team will work with you to ensure a compliant program for your employees in 2014. Contact your Account Manager or sales representative today with any questions.