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Employer Mandate

Under the Affordable Care Act (ACA), applicable large employers (ALEs)—those with 50 or more full-time employees, including full-time equivalents (FTEs)—are required to offer health insurance that is both affordable and provides minimum value to at least 95% of their full-time employees and their dependents (children up to age 26). Failure to comply with these requirements may result in penalties.

For the 2025 plan year, the IRS has set the affordability threshold at 9.02% of an employee’s household income. This means that the employee’s share of the premium for self-only coverage should not exceed 9.02% of their household income to be considered affordable.

EXEMPTIONS FOR 2019 AND BEYOND

For the 2019 plan year, the Shared Responsibility Payment (“mandate,” “penalty”) no longer applies. You don’t need an exemption for 2019 or beyond.
If you’re 30 or older and want a “Catastrophic” health plan, see details about exemptions and catastrophic coverage.
If you live in Maryland, visit Maryland Health Connection for information on 2017 exemptions and beyond.
If you live in the District of Columbia, visit DC Health Link for information on 2019 exemptions and beyond. For 2018, use this page, and for previous tax years, use the links below

Find health coverage exemptions

Most people who don’t have qualifying health coverage must either pay a fee or qualify for an “exemption.”
Health coverage exemptions are available for a variety of reasons: certain life events, health coverage or financial status, group membership, and more. If you qualify, you don’t have to pay the penalty for the months you were uncovered and the exemption applies.

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