Is mandating health coverage legal
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The open enrollment period is from November 15 through December 15 of each year.
Federal law requires small-employer plans to cover a standard set of services, called essential health benefits.
A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. You’ll see exactly what each plan offers when you compare plans.
Self-insured plans may contract with third-party administrators (TPAs), including insurance companies, to process benefit claims.For a more complete list go to the exemptions page at or the questions and answers page on shared responsibilities provisions on the IRS website. If you believe you may be eligible for an exemption for financial reasons, experts recommend filling out the paperwork now, if possible, based on your current income and other information. You can claim some of the exemptions when you file your tax return in 2015, but for others, you will have to complete an exemption application available at Alabama's mandated benefits and conversion provisions do not apply to health plans in which the employer pays the benefits without the proceeds of any insurance policy.The TPA pays the claims and then is reimbursed by the employer.
Insurance companies that sell small-employer coverage must offer it year round.