Patient Protection and Affordable Care Act - Human Resources at Ohio State

Patient Protection and Affordable Care Act

The Patient Protection and Affordable Care Act (ACA) put in place comprehensive health insurance reforms designed to expand coverage, control health care costs, and improve the health care delivery system.  The ACA includes requirements for employers and individuals.

Employer Mandate

Under the ACA, Ohio State is required to offer health insurance to certain employees. Many employees are eligible for coverage based on their employment classification and full-time equivalency. Those who are not eligible under the university’s eligibility rules – but who worked an average of 30 or more hours a week during the applicable measurement period – are considered an “ACA-eligible employee.”

These employees receive a notice of eligibility from the Office of Human Resources and may elect coverage under the Faculty and Staff Health Plans. The coverage is for medical and prescription only; it does not include dental or vision benefits.

Individual Mandate

The ACA requires all individuals, with a few exceptions, to have health insurance that provides “minimum essential coverage” or potentially pay a penalty for noncompliance. This requirement, known as the “individual mandate,” applies to each month in the calendar year. The Ohio State University Faculty and Staff Health Plans provide minimum essential coverage.

An individual who was covered for at least one day during a month is considered to have had coverage for the entire month.