{"id":10506,"date":"2016-10-26T09:03:49","date_gmt":"2016-10-26T13:03:49","guid":{"rendered":"https:\/\/gtm.com\/household\/?p=10506"},"modified":"2020-01-29T12:34:05","modified_gmt":"2020-01-29T17:34:05","slug":"health-insurance-for-a-household-employee","status":"publish","type":"post","link":"https:\/\/gtm.com\/household\/health-insurance-for-a-household-employee\/","title":{"rendered":"Health Insurance for a Household Employee"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-21459 size-large\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/Health-Insurance-Household-Employee-1024x682.jpg\" alt=\"Health-Insurance-Household-Employee\" width=\"1024\" height=\"682\" srcset=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/Health-Insurance-Household-Employee-1024x682.jpg 1024w, https:\/\/gtm.com\/household\/wp-content\/uploads\/Health-Insurance-Household-Employee-980x653.jpg 980w, https:\/\/gtm.com\/household\/wp-content\/uploads\/Health-Insurance-Household-Employee-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/>Anyone can be caught off guard by an unexpected illness or injury. Offering health insurance for a household employee benefits both the employee and the employer. Not only does it help employers with recruiting and retaining top-quality nannies and other employees, but it safeguards against future health problems, minimizing surprise illnesses and the resulting absenteeism. For employees, having health care coverage limits out-of-pocket costs, protects assets, and safeguards future earnings.<\/p>\n<p>More importantly, the\u00a0<a href=\"https:\/\/www.hhs.gov\/healthcare\/about-the-law\/read-the-law\/\">Affordable Care Act<\/a> (ACA) requires all individuals to have health insurance or risk being fined. The ACA can be complicated to navigate, especially within the realm of household employment. Here is a quick guide for obtaining health insurance for your nanny or other household employees.<\/p>\n<h2>First Steps<\/h2>\n<p>Before diving into the complex world of health insurance, there may be a couple of easier solutions.<\/p>\n<ul>\n<li>How old is your nanny? Your employee\u00a0may be able to be added to her parents&#8217; policy if she is 26 years old or younger.<\/li>\n<li>Is your nanny married? If so, it may be more affordable for her to be added to her spouse&#8217;s health plan, if the spouse is covered through their employer.<\/li>\n<\/ul>\n<h2>Obtaining Insurance<\/h2>\n<p>Individual health insurance plans can be purchased by:<\/p>\n<ul>\n<li>Visiting your state&#8217;s\u00a0health exchange or the\u00a0<a href=\"https:\/\/www.healthcare.gov\/\">federal exchange<\/a>\u00a0if your state does not offer one. See this list of\u00a0<a href=\"https:\/\/www.healthcare.gov\/marketplace-in-your-state\/\">states that have their own exchange<\/a>.<\/li>\n<li>Obtaining\u00a0coverage directly through an insurance company, or by contacting a private exchange site like\u00a0<a href=\"https:\/\/www.ehealthinsurance.com\/ehi\/Alliance?allid=Com22130&amp;sid=3995073_10496006_&amp;AID=10496006&amp;PID=3995073\">eHealth Insurance Services<\/a>.<\/li>\n<\/ul>\n<h2>Can You Cover or Reimburse Your Employee for Premiums?<\/h2>\n<p>If your nanny purchases coverage on a state or federal exchange, then by law, an employer may\u00a0<strong>not<\/strong>\u00a0cover or reimburse for premium payments. If your employee buys coverage through a private exchange or directly from an insurance company, then you can pay part or all of their premiums for them directly if they are your ONLY employee.<\/p>\n<p>If you have more than one employee, you can set up a plan to help cover part or all of their premiums, and receive tax-free benefits. These plans include\u00a0<a href=\"https:\/\/gtm.com\/household\/health-reimbursement-arrangements\/\">HRAs<\/a>, POPs, FSAs, and HSAs. Through these plans, no taxes are paid by either the employer or employee on health care coverage.<\/p>\n<h2>Important Rules<\/h2>\n<ul>\n<li>Household employers that also own their own business may want to put their nanny on their business health plan. This is not permitted, because a nanny is not employed by the business &#8211; they are a household employee. Insurance companies will likely refuse to pay any benefits if you submit a claim for a household employee through a business insurance policy.<\/li>\n<li>It&#8217;s also important to know that a household employee requesting individual coverage must apply for coverage themselves &#8211; the employer cannot submit an application or other paperwork on the nanny&#8217;s behalf. The employee must fill out the forms and submit their medical information.<\/li>\n<li>If you as the employer are applying for a group plan, a group application must be completed by the employer and the employee must sign the enrollment forms.<\/li>\n<\/ul>\n<p>GTM&#8217;s in-house insurance brokerage can\u00a0guide you through the insurance rules and regulations in your state. For more information, <a href=\"https:\/\/gtm.com\/household\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\">contact us<\/a> at (800) 929-9213 or get a <a href=\"https:\/\/gtm.com\/household\/benefits-insurance\/get-a-quote\/\" target=\"_blank\" rel=\"noopener noreferrer\">free insurance quote<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Offering health insurance for a household employee benefits both the employee and the employer. The ACA can be complicated to navigate, especially within the realm of household employment. Here is a quick guide for obtaining health insurance for your nanny or other household employee.<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[82,78],"tags":[9,22,25],"class_list":["post-10506","post","type-post","status-publish","format-standard","hentry","category-employee-benefits","category-retaining-employees","tag-affordable-care-act","tag-employee-benefits","tag-health-care-reform"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Provide Health Insurance to Your Household Employee<\/title>\n<meta name=\"description\" content=\"All individuals are required to have health insurance or risk paying a fine. 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