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Affordable care act (ACA)

The “employer mandate” requires employers with 50 or more full-time equivalent (FTE) employees to provide benefits to at least 95% of their full-time employees, as well as file Forms 1094-C and 1095-C

Smaller businesses (less than 50 FTE) choosing to offer benefits to their employees are subject to many ACA rules, but there are no filing or reporting requirements.

Gusto only sells ACA-compliant plans, and if you choose to manage your benefits through Gusto, here’s how we’ll help keep you compliant:

  • Manage your pre-tax payroll deductions, and provide the Section 125 document that permits them. 

  • Prepare filings 1094-C and 1095-C for companies with 50 or more FTE in the previous calendar year and distribute 1095-C to employees.

  • Provide newly hired employees with the ACA Marketplace Notice. 

  • Electronically distribute the Summary of Benefits and Coverage (SBC) to your employees during health benefits enrollment. 

  • Keep you aligned with your current policies and insurance carrier requirements.