The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.

Navigator
Resource Guide

On Private Health Insurance Coverage & The Health Insurance Marketplace
QUESTION

I run a small business (less than 50 employees) with a mix of full-time and part-time workers. Am I required to offer coverage?

Coverage for small employers | Small Employer Coverage |
ANSWER

No, there is no requirement for small employers to offer health benefits to their workers, and no tax penalty if you fail to do so. (26 U.S.C. § 4980H).

Related Tags

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues