These are Premium Tax Credits that have been around for over a decade. When the ACA came out it mandated that employers with 50 employees or more had to make sure health coverage was "affordable" for all of their employees. Meanwhile employees at smaller companies would be eligible for tax credits to make their health coverage "affordable". Crazy enough, many employers still don't know about that, and just offer traditional group coverage. This is a huge mistake because as soon as you offer other "affordable" coverage, your employees are no longer eligible for these subsidies.

We help employers set up a group facilitated plan with a structure that preserves Premium Tax Credit eligibility and makes it easy for the employees who qualify to use it.

CommonCare is a tech platform that lets employers offer flexible, employee-driven health benefits in minutes. Instead of being locked into one group plan, each employee can choose what works best - an ACA marketplace plan, a health share, a direct primary care membership, or even take the money as a bonus. Employers get predictable costs and simple setup for just $5 per employee per month.

Haha yes it absolutely is, although we can understand your skepticism. Feel free to book a call between us and your CPA, lawyer or that friend who's good at picking up weird vibes. We promise that you (and they) will be perfectly satisfied that all our T's are crossed and I's are dotted.