Louisiana Coverage for Interns under the Affordable Care Act

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Interns can be terrific additions to a nonprofit's capacity building journey, but it's important to clarify whether they are unpaid volunteers or paid employees. Companies should make sure they comply with U.S. Department of Labor requirements so that unpaid interns cannot claim entitlement to wages or make other claims against the employer. Companies should also be aware whether or not these employees are covered under the Affordable Care Act.

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FAQ

The answer is generally yes, but different conditions must be satisfied depending on whether the intern job classification results in an indirect service requirement. An employer may exclude certain job titles from participating in its 401(k) plan.

The ACA sought to address the gaps in our health care system that left millions of people without health insurance by extending Medicaid coverage to many low-income individuals and providing subsidies for Marketplace coverage for individuals below 400% of the federal poverty level (FPL).

Despite the increase in overall expenditures, the annual expenditure growth rates in the years following the ACA's implementation were generally lower than in the years before the ACA: Average annual national health spending grew 4.3 percent in 2010?18, compared to 6.9 percent in 2000?09.

Currently 37 states have expanded Medicaid coverage under the Affordable Care Act (ACA), including Louisiana, which extended coverage for all adults earning up to 138% of the federal poverty level (FPL) on July 1, 2016 (Henry J. Kaiser Family Foundation, 2019).

The Affordable Care Act's rules limiting how much insurers can charge for health coverage led to lower premiums in the nongroup market for older, sicker people but higher premiums for younger, healthier ones ? especially higher-income young men not eligible for premium subsidies.

Some employers choose to offer temps and interns only medical coverage. The ACA employer mandate does not require an offer of other health benefits (such as dental and vision coverage) to avoid potential penalties.

Who must comply with the ACA? The ACA applies to applicable large employers (ALEs), which are businesses that had 50 or more full-time and full-time equivalent (FTE) employees on average during the previous year.

If you get sick, an insurance company cannot cancel your policy. Health insurance companies cannot turn down your application because of your health status. Women can no longer be charged more for insurance than men. In fact, insurance rates cannot be based on gender or gender identity at all.

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Louisiana Coverage for Interns under the Affordable Care Act