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Columbia City Benefits Group is a full service insurance brokerage specializing in Medicare and other Supplemental insurance coverages.  We work with Seniors, Individuals and Small Groups in 40 states throughout the US.

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*Disclaimer:  This is intended for information purposes only.  We have attempted to provide the most accurate information possible, but we make no guarantees regarding its accuracy or completeness.  This information not intended to be legal, or other professional advice.  If you have questions, please contact us.  





Tax Penalties

New Guidelines

Enrollment Period

Employers who have more than 100 or more full-time equivalent employees must offer those employees and their families and dependents to age 26, benefits that pays for 60% of the minimum essential benefits, as established by the ACA, or face a potential penalty. In 2016, the mandate applies to employers who have 50 or more full-time equivalent employees.


Individuals must now obtain qualifying coverage either through an individual policy or through their employer or face a potential penalty.  


To be in compliance with the new  healthcare reform laws and avoid costly penalties, you must purchase Insurance coverage that pays at least 60% of the costs of the costs of the  "essential benefits."  

Dependents up to age 26 may be added to an insurance policy for  both individuals and employer coverage.


Insurance companies can no longer  increase rates or deny coverage  because of a pre-existing condition.  This applies to both individual and employer paid coverage.


Gender is no longer a factor in determining rates.


For businesses:  Renewal rates are same as new business rates.  Waiting period can't exceed 90 days.



Individuals must purchase their health insurance during the annual open enrollment period.  


Failure to do so may result in penalties and

having to  wait until the next open enrollment to purchase coverage.  Employers are able to offer benefits year round or during their normal open enrollment as usual.