What are the employee benefits available under the Affordable Care Act (ACA)?

Under the Affordable Care Act (ACA) in Maryland, employees are eligible to receive a variety of benefits. These include the right to purchase insurance through a health insurance marketplace, access to preventive care without a co-payment, and protection from discrimination due to pre-existing conditions or gender. The ACA also requires that employers provide certain essential health benefits, such as hospital stays, emergency services, maternity and newborn care, mental health and substance abuse disorder services, and prescription drugs. In addition, employers must provide coverage for employees working 30 or more hours per week, although some small businesses may be exempt from the coverage requirements. Employees are also entitled to receive medical insurance through their employer at no cost if the employer is offering a health plan and they are eligible. Employees may also be able to access a tax credit to help them pay for their premiums if they are not offered an employer-sponsored plan or if their employer does not meet the ACA’s requirements. Finally, the ACA also requires employers to provide employees with information about their health care options in an understandable and easy-to-understand format. This includes a summary of benefits and coverage document that outlines the coverage and costs of the plans available. The ACA has helped millions of Americans gain access to health care, and employers in Maryland must comply with these requirements so that their employees can take advantage of the available benefits.

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What are the employee benefits available under the Affordable Care Act (ACA)?

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