Healthcare Reform Information

The Affordable Care Act (ACA)

In 2010, The Affordable Care Act (ACA) was signed into law with the purpose of insuring that all Americans have access to affordable health insurance. The ACA created the Insurance Marketplace, a website providing access to insurance plans. The Marketplace is a way for to anyone who would like to shop for coverage to find and compare plans which may meet their needs.

Some key highlights of the Act are:

  • Health plans may not:
    • Deny coverage due to “pre-existing” conditions
    • Drop coverage of people who become sick
    • Charge higher premiums for people with health issues
  • Large employers must:
    • Provide health insurance that meets minimum standards as required by the Act or pay penalties
    • Offer coverage to employees who work more than 30 hours per week
  • Encourages small employers to:
    • Provide coverage in exchange for tax credits
  • Allows parents to:
    • Cover children up to the age of 26
  • Requires individuals to:
    • Be covered by health insurance which meets minimum standards required by the Act or pay a tax

Faculty & Staff currently eligible for benefits

SCC will continue to offer competitive benefit packages to our eligible employees and may be your best option for coverage. While our benefit plans are typically on the "high" end of the coverage packages offered by most vendors and are attractive to our employees, additional plans, at lower cost may also be attractive for your family coverage through the Marketplace or private insurance brokers.

  • Eligibility criteria: College group insurance plans are available to employees hired to work 32 or more hours per week (80%-100% FTE). Medical and dental plans elected go into effect the first day of the month following 45 days of employment.
  • If you waived coverage take note! The law requires you have coverage by January 1, 2014. You were allowed shop for coverage through the Marketplace or private insurance brokers if you were eligible but had not elected the SCC coverage and were not covered under another plan. If you obtained other coverage, be sure to watch for open enrollment and compare your plan coverage and cost to the SCC offerings. Since SCC pays a portion of the premiums for eligible employees, the college’s plan may be your best option for your individual coverage.

Faculty and staff not currently eligible for coverage

Under the ACA, "variable-hour" employees who work an average of 30 or more hours per week in all jobs over a measurement period (determined by SCC in compliance with ACA regulations), must be offered access to the medical plan, although they may decline coverage. The most likely group(s) affected will be adjunct faculty and individuals who work in more than one position for the college. (We do not expect student workers to be affected.)

Because adjunct faculty perform duties outside the classroom hours, a standard equivalency formula has been established by the college to calculate hours for eligibility purposes.

If you are determined to be eligible, you will be notified by the college prior to the open enrollment period. Coverage purchased by employees deemed eligible will remain in effect until the following measurement period re-determines eligibility for the "variable-hour" group.

ADDITIONAL INFORMATION:

As new provisions of the Affordable Care Act are revealed and changes occur, we will continue to publish them in the HR Connection and post information and links on this website.

January 2014 - Affordable Care Act

View a power point detailing the changes which have been implemented to date.

February 2014 - Be informed about health care reform

Although the dust is settling following the initial roll-out of the ACA, you will continue to hear about more changes coming to health insurance coverage brought about by the ACA. We want you to have easy access to the information we receive and will continue to post information on this website for your convenience.

The major change in 2014 is that most legal US residents will be required by law to purchase a qualified health plan, either through an employer, private insurance or the health insurance marketplace; otherwise, they will pay a penalty.

As your employer, we proudly provide a qualified health plan to our eligible employees. So you're free to keep the plan you have. But we want to be sure you understand the other options you may be hearing about. Our partner, Anthem, has provided the attached flier with an overview of what's to come in 2014 in the world of health care reform.

Questions About
Benefits?

Rita Lilly
Benefits Specialist
636-922-8393
rlilly@stchas.edu

Sherri Giacalone
HR Generalist
636-922-8507
sgiacalone@stchas.edu

Matthew Kroll
Director of Employment & Training
636-922-8593
mkroll@stchas.edu