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Affordable Care Act (ACA)

The Patient Protection and Affordable Care Act passed by Congress, signed into law on March 23, 2010 by President Barack Obama, mandates that all Americans, with a few exceptions, be insured for specific essential health care benefits, and that the insurance coverage be deemed to be affordable based on the Federal Poverty Level.

The Affordable Care Act, commonly referred to as the ACA, is being phased in over a period of years, with the most significant changes to the current health care delivery system which took effect January 1, 2014, or on the first day of the employer's new plan year after January 1, 2014.  Covered California is California's Exchange, which is a public insurance marketplace that guarantees access to private insurance policies with premium and cost-sharing subsidies for lower-income individuals who don't have access to affordable employer coverage.

Did you receive a Form 1095-C from your employer and you're not sure what to do next? If you work for more than one employer, you may receive more than one of these forms.  The Form 1095-C is a new IRS requirement and the forms were mailed to you from an outside entity based on information supplied by the District.  The following site has more information.


Applicable Large Employers (ALEs), or employers with 50 or more full-time equivalent employees, are required to send Form 1095-Cs to all full-time employees (those who work an average of 30 or more hours per week) as well as any employee who was enrolled in a health insurance plan.  So if you were a full-time employee and/or were enrolled in health insurance through your employer at any time during 2015, you should receive a Form 1095-C.

The 1095-C figures within the form (the $662.41) only reflect the most affordable plan OFFERED to 'full-time' employees. The dollar figure does not necessarily reflect what you've selected or what you pay.  The '1E' indicates that a plan was OFFERED to you/your spouse/dependents and does not necessarily reflect that you opted to purchase it.  The code of '2C' reflects your enrollment (by being OFFERED) in the employer's coverage.