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    Members of:

    LIGHTHOUSE

    BENEFIT

    RESOURCES

    Lighthouse Benefit Exchange is a national private exchange for individuals and businesses. Our technology platform offers diversity of choice, decision making assistance, and allows for better cost management from year-to-year.  

     

    Lighthouse Benefit Resources

    400 Ocean Forest, Suite 1102

    St Simons, Georgia 31522

    ​

    Enrollment Call Center:

    912-771-8230

     

    Email us HERE

     

     

    About Lighthouse 

    Find a Plan

    Employer Mandate 

    Use this guide to see if your business is required to offer affordable health insurance to your employees and about penalties for non-compliance 

    under the Affordable Care Act. 

    Business has less than 50 full-time eligible employees 

    Business has 50 or more full-time eligible employees 

    Yes

    No

    Yes

    No

    Employer

    Do you offer group health insurance to your employees?

    Do you offer group health insurance?

    Do you offer group health insurance?

    Tax subsidy not used by any full-time eligible employee in the Public Exchange

    There is no penalty

    Tax subsidy is used by at least one full-time eligible employee in the Public Exchange

    Penalty of $2,000 per employee per year, excemption for first 30 employees

    Tax subsidy is used by at least one full-time eligible employee in the Public Exchange because plan does not pass Affordability Test 

    Penalty of $3,000 per employee per year for each full-time employee receiving tax subsidy

    Tax subsidy not used by any full-time eligible employee in the Public Exchange

    Employee

    elects group plan

    Employee

    rejects group plan

    There is no penalty

    There is no penalty

    Employee buys individual health insurance policy with no tax subsidy 

    Employee decides to have no health individual and pay individual penalty 

    There is no penalty