Health Insurance Reform


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Federal Health Insurance Reform

The Patient Protection and Affordable Care Act (ACA), passed by the U.S. Congress in 2010, is so complex that it is being interpreted and enacted in a gradual, continuous process. Information on the complete federal legislation is available elsewhere; this webpage focuses on the items that are likely to be of particular concern to municipal governments.

NOTE: The IRS has extended its 2015 ACA reporting deadlines to 3/31/16, 5/31/16, and 6/30/16 respectively. The extensions are explained in IRS Notice 2016-04. Once you understand the updated deadlines, you can read the article on page 9 of the December 2015 VLCT News to learn why employers shouldn't wait until the last day to figure out which IRS forms to use and how to complete them.

Information on Requirements for Reporting 2015 Data to Employees and the IRS

In the ACA, an Applicable Large Employer (ALE) is any employer that employed an average of at least 50 full-time employees (including FTEs) on business days during the preceding calendar year.

IRS ACA Forms and Instructions

Information on Counting and Notifying Employees for the ACA

Vermont Health Connect

Vermont Health Connect (VHC) is our state's Health Insurance Exchange.

  • Vermont Health Connect website (off-site link)
    Our in-state website which is the online portal to Vermont's Health Insurance Exchange. Look on this site for descriptions of the medical and dental plans that are available to individuals and employees of groups with 50 or fewer employees.