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Coverage for Interns under the Affordable Care Act

Coverage for Interns under the Affordable Care Act 2025

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The document discusses the coverage of interns under the Affordable Care Act (ACA), highlighting that only employers with 50 or more full-time equivalent employees are required to provide health insurance. It clarifies that unpaid interns and independent contractors are not considered employees under the ACA, while paid interns may be covered if they work over 30 hours per week for 120 days. Additionally, it notes that seasonal employees can be excluded from coverage requirements, and parents can keep children on their insurance until age 26.

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Are interns considered employees for the 1095?

It depends. If the intern does not complete your plans waiting period, you would not have to report them because an individual is not considered a full-time employee when in a limited non-assessment period (which is a fancy term for a waiting period that is 90 days or less).

Do temporary employees get a 1095-C?

Interns will generally receive guidance and direction from the employer, including daily job duties, training and coaching. Services an intern performs will most likely be controlled by the employer, and once an employee-employer relationship exists, an intern cannot be classified as an independent contractor.

What are the 4 levels of coverage offered under the Affordable Care Act?

Marketplace plans are put into 4 categories (or metal levels): Bronze, Silver, Gold, and Platinum.

Do paid interns count as employees?

Employers will provide statements (1095-C) to full-time employees as defined in the law as working 30 hours or more per week. If you are not a full-time employee, you will not receive this statement, even if enrolled in a Los Rios health plan.

Are interns covered by insurance?

Health Insurance for Interns If your company has 50 or more employees, the Patient Protection and Affordable Care Act (PPACA, also known as ACA) may require that you offer employee health benefits to interns. This is based on how long your internships are and how many hours interns work each week.

Do interns get any benefits?

Q: Do employers need to provide interns with employee benefits, including paid time off and health care? A: In most states, there are no laws requiring that an employer provide employees or interns with paid time off or any other benefit, with the exclusion of health care.

Coverage for Interns under the Affordable Care Act 2025

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