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 and 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 Jan. 1, 2014. You were allowed to 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.

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