This is our first year doing ACA and 1095C's through Lawson. I wanted to get everyone input on how they put the priorities on their medical plans on BN15.3. The Benefits Administration Guide states that you put your highest coverage plan with a priority of 1. We have 3 plans, and the plan that we based all of our ACA affordability off of has a $1250 deductible (lowest cost out of employee pay checks). However, we do have one with a $500 deductible (highest cost of out pay check). The plan with the $500 deductible plan technically has more coverage since the deductible is lower. However, I struggle with this logic since, as I said before, all of our ACA affordability calculations were off our higher deductible plan.
What has everyone else done with this?
Medical Plan |
Cost per check
EE Only |
ACA Priority |
$1250 Ded. PPO |
$35 |
2 |
$500 Ded. PPO |
$70 |
1 |
HDHP |
$49 |
3 |
Waive Plan |
n/a |
9999 |