Nearing 50+ Employees? Does your model include the expense of health insurance?

For plan years beginning in 2026, the employee contribution for the lowest cost health benefit option offered by an ALE cannot exceed 9.96% of the full-time employee’s household income. Rollups often fail to include, or underestimate, how expensive it will be to provide ANY coverage. Moreover, your employees may be made significantly worse off when you offer them coverage as it will preclude them from accessing marketplace subsidies.