ACA Community Rated Health Plans
Guaranteed Coverage for Every Employee
Predictable premiums. Universal acceptance. Complete ACA compliance.
ACA community-rated plans ensure every employee gets quality health coverage regardless of their health status. Fixed monthly premiums provide budget certainty while guaranteed issue protections eliminate medical underwriting barriers. Perfect for businesses committed to providing comprehensive benefits for all.
How Community Rating Works
Fixed Premium Structure
Age-based pricing only - health status doesn't impact rates
Predictable monthly costs with no mid-year surprises
Standard rate increases applied equally across all groups
Transparent pricing structure for accurate budget planning
Guaranteed Issue Coverage
No medical underwriting required for any employee
Immediate coverage for new hires and qualifying events
Pre-existing conditions covered from day one
Universal acceptance regardless of health history
ACA Compliance Built-In
Essential Health Benefits included in all plans
Preventive care covered at 100% with no deductible
Mental health parity and prescription drug coverage
Automatic compliance with all federal regulations
Key Benefits for Your Clients
Workforce Protection
Budget Predictability
Administrative Simplicity
Perfect Client Scenarios
Book a DemoDiverse Workforce Demographics
Mixed-age employee groups with varying health needs, workforces including employees with known health conditions, high-turnover industries requiring flexible enrollment, companies prioritizing inclusive benefit offerings.
Compliance-Focused Employers
ALE employers subject to employer mandate requirements, organizations requiring guaranteed ACA compliance, companies with 50+ employees needing shared responsibility coverage, businesses prioritizing risk management and legal protection.
Predictable Budget Requirements
Organizations needing fixed costs for accurate financial planning, companies with tight budget constraints requiring cost certainty, multi-location businesses requiring standardized pricing, employers seeking transparent, easy-to-explain benefit costs
MyHealthily's ACA Plan Advantage
Comprehensive
Plan Options
Access to 170+ carriers offering ACA-compliant coverage
Multiple metal tier options from Bronze through Platinum
HSA-compatible high-deductible plans for tax advantages
Extensive provider network access across all plan types
Streamlined
Enrollment
100% paperless enrollment with integrated e-signatures
Real-time eligibility verification and plan selection
Automated compliance tracking for employer mandate requirements
Seamless integration with payroll and HRIS systems
Ongoing
Compliance Support
Automatic regulatory updates ensuring continued compliance
Employer mandate reporting and documentation
ACA penalty protection through proper plan administration
Expert guidance on evolving regulatory requirements
Compliance Made Simple
Employer Mandate Requirements
• Minimum Essential Coverage automatically satisfied
• Affordability and minimum value standards met
• Automatic 1094/1095 reporting for tax compliance
• Safe harbor protections against employer penalties
Employee Protections
• Special enrollment period handling for qualifying events
• COBRA administration and notification requirements
• Dependent coverage through age 26 compliance
• Preventive care and wellness program integration
Regulatory Updates
• Continuous monitoring of ACA regulatory changes
• Automatic plan updates for compliance requirements
• Expert interpretation of complex regulatory guidance
• Proactive communication about impact on your clients
Plan Design Flexibility
Contact UsMetal Tier Options
Bronze Plans
Lower premiums with higher deductibles
Silver Plans
Balanced premiums and out-of-pocket costs
Gold Plans
Higher premiums with lower deductibles
Platinum Plans
Maximum coverage with minimal cost-sharing
Cost-Sharing Features
Deductible options ranging from high-deductible to low
Copay structures for predictable medical costs
Out-of-pocket maximums providing catastrophic protection
HSA compatibility for tax-advantaged healthcare spending
Network Access
Broad provider networks ensuring employee choice
Regional and national network options available
Specialist access without referral requirements in many plans
Telehealth integration for convenient care access
Why Choose MyHealthily for ACA Plans?
Eliminate compliance anxiety with expert ACA plan management.
Technology Leadership
• Real-time rate comparisons across all metal tiers
• Integrated compliance tracking and reporting tools
• Professional enrollment platform with e-signature capability
• Automated renewal processing with regulatory updates
Compliance Expertise
• Dedicated ACA specialists ensuring proper plan administration
• Continuous regulatory monitoring and plan updates
• Penalty protection strategies through proper coverage design
• Expert consultation on complex compliance scenarios
Proven Results
• 100% ACA compliance for all administered groups
• Streamlined enrollment with 95% employee satisfaction
• Zero employer penalties through proper plan management
• Successful navigation of regulatory changes and updates
Implementation Strategy
Plan Selection Process
Complete a comprehensive needs analysis considering workforce demographics, create a detailed metal tier comparison with employee cost projections, evaluate networks to ensure adequate provider access, and finalize plan selection with full compliance verification
Employee Communication
Deliver ACA education sessions explaining coverage requirements, provide benefit comparison tools for informed plan selection, offer enrollment assistance through a dedicated support team, and maintain ongoing education about plan features and compliance
Ongoing Administration
Conduct monthly compliance monitoring with detailed status reporting, manage qualifying life event processing and documentation, oversee annual renewals with rate and plan updates, and ensure continuous regulatory compliance oversight
Ready to Simplify ACA Compliance?
See how easy ACA compliance can be with the right platform.
Guaranteed coverage. Predictable costs. Complete compliance. Professional administration included.
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