Small group health plans may become obsolete based on the American Rescue Law

Potental Savings

The American Rescue Plan is the biggest expansion of the ACA since its start in 2010. With the elimination of the subsidy, income cliff, any resident not offered group health insurance will not pay more than 8.5% of their household income, no matter how many dependents in their household, for the second-lowest-cost silver plan. Anyone collecting just one unemployment check will have zero premium for the year. Subsidies for individuals earning under 400% of the Federal Poverty Level will have lower premiums. I feel small group health may become obsolete, considering the savings can be 75% of the group health cost. I recommend that employers do not complete with the Federal subsidies and use the savings to offer employees other desired benefits. Eliminate the compliance rules of contributions, participation, COBRA, and NJFLI.

Currently, we are offering clients the Ease education and enrollment system to help employers transition. Organizations interested in more information should contact

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