Healthcare

Healthy Business, Healthy Bottom Line: Workplace Wellness Programs for Your Small Business

A workplace wellness program can be whatever you want it to be. Simply put, it is a basic investment in your employees, similar to how you invest in them when you offer training, mentoring, and other basic employee programs. Small employers often see wellness programs as sizeable endeavors undertaken by large corporations, such as organized exercise competitions, on-site gyms, paid gym memberships or healthy food offered in corporate cafeterias. Small and simple programs that can lead to increased wellness and a culture of health are often overlooked, but can provide a long lasting impact on your company and your employees.

Healthcare.gov

HealthCare.gov is a health insurance exchange website operated under the United States federal government under the provisions of the Patient Protection and Affordable Care Act, which currently serves the residents of the U.S. states which have opted not to create their own state exchanges.

Tabla De Comparación Del Plan De Salud

A continuación, se detalla un desglose de lo que generalmente presentan varios tipos de planes. A medida que lea sobre cada tipo de plan, recuerde que el mercado actual de cobertura de salud habitualmente ofrece "mezclas" de estos tipos tradicionales. *Las primas mensuales representan el costo total para un solo empleado (aportes del empleador y del empleado). Si comparte los costos de las primas con el empleado, sus costos comerciales serán menores.

A completed “Employer Coverage Tool” (this is optional and only applies if anyone in your household has or is eligible for coverage through their employer)

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Quick Overview

You should fill out an “Employer Coverage Tool” for each member of your family who’s eligible for a job-based plan, even if that person isn’t enrolled in the job based plan or isn’t applying for Marketplace coverage. You can get this information from your employer. This optional tool helps you gather information you may need for your application in one spot.

To get a copy of this form, visit HealthCare.gov/downloads/employer-coverage-tool.pdf. Your employer can help you fill this out.

Health coverage information (this only applies if anyone in your household currently has a health plan)

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Quick Overview

Your Marketplace application will ask if anyone in your household is currently enrolled in health coverage, including Medicaid, the Children’s Health Insurance Program (CHIP), Medicare, TRICARE, VA health care program, Peace Corps, or coverage through individual insurance (including Marketplace coverage) or an employer.

If anyone has coverage now, gather their policy numbers. You can find this information on their insurance card or documents they get from their plan.

Your best estimate of your household income

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Quick Overview

Your Marketplace application may ask you to estimate what your household’s income will be in the year you’ll be covered.

If you’re not sure, it’s okay to make your best estimate. If your income changes, or is different than what you estimated, you’ll need to update this information later. For more information, visit HealthCare.gov/reporting-changes/why-report-changes.

To help you make a ballpark estimate of your household income, visit HealthCare.gov/income-and-household-information/how-to-report.

Employer & income information for everyone in your household

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Quick Overview

Your Marketplace application may ask you about the income, expenses, and deductions of everyone in your household, even those not applying for coverage.

The Marketplace accounts for income sources, including:

  • Wages and salaries, as reported on your W-2 form and pay stubs
  • Tips
  • Net income from any self-employment or business
  • Unemployment compensation
  • Social Security payments, including disability payments (but not Supplemental Security Income (SSI))
  • Alimony
  • Retirement or pension income, including most IRA or 401k withdrawals
  • Investment income, like dividends or interest
  • Rental income
  • Other taxable income

For more information on income or what income sources to include, visit HealthCare.gov/income-and-household-information/income.

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