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Figure 11:
Employer Sponsored Insurance Scenario
Eligibility for APTCs
Employee is not eligible for ESI
Yes
ESI does not meet affordability requirements
Yes
ESI does not meet minimum value requirements
Yes
Employee is eligible, ESI is affordable and
offers minimum value coverage, no dependent
coverage available
Employee not eligible
Dependents are eligible
Employee and dependents eligible. Employee
coverage affordable, dependent coverage
is unaffordable
Employee and dependents are not eligible
Eligible for COBRA and other continuation of coverage Yes, if it is a former employee who is not
enrolled in the coverage. No, if an active
employee.
Employee benefits are a key indicator of employee satisfaction, retention and productivity.
The 2013 Aflac WorkForces Report, revealed that workers who are extremely or very satisfied
with their benefits program are three times more likely to stay with their employer than those
workers who are dissatisfied with their benefits program.
5
Though employers have long recognized the importance of employee benefits, now – more
than ever – benefits will make a big difference for employee satisfaction, retention and
productivity. In fact, nearly 1-in-2 U.S. employees say that improving their benefits is one thing
their employer can do to keep them in their job (see “Benefits Matter”).
5
5
Recruiting,
retention and
productivity
Nearly 1-in-2
U.S. employees (47%)
say that improving their
benefits is one thing their
employer can do to keep
them in their job.
Workers who are extremely
or very satisfied with their
benefits program are
3 times more likely
to stay with their employer
than those workers who
are dissatisfied with their
benefits program.
59%
of employees
believe they’d be at least
somewhat likely to accept
a job with a more robust
benefits package but lower
compensation.
Benefits Matter
5
While health care reform is expanding access to individuals and those who may not have
had access to health care in the past, many will continue to see higher co-pays, premiums,
deductibles and other out-of-pocket expenses.
Workforce demographics such as household income will have an impact on eligibility for
affordability programs such as Medicaid or APTCs. Low-wage employees may benefit
more from the Health Insurance Marketplace subsidies than the employer contribution from
employer-sponsored coverage.
6
Workforce
Demographics
and Preparedness
