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Figure 12:
Employer-sponsored benefits strategies
SHOP
Participate in the SHOP Marketplace and obtain tax credits if
eligible.
Maintain Grandfathered Status
Stay grandfathered to avoid some of the new ACA reforms and
cost impacts.
Make Benefit Changes
Change benefits to ensure that coverage meets minimum value
and affordability requirements.
Private Marketplace
Use defined contribution model to maintain affordable health
coverage for all employees.
Hybrid Approach
Take some combination of the above options, provided non-
discrimination rules do not prevent.
Self-Insure
Self-insure to avoid some ACA provisions.
Discontinue Coverage
Drop coverage entirely and send all employees to marketplace
and/or private market.
Adjust Current Plan
Minor adjustments to meet or exceed federal standards.
Play or Pay
Strategies
