The Affordable Care Act (ACA) has made many changes in the administration of health insurance throughout the country. Several of these changes have a direct impact on Rutgers University employees, including those who had previously been ineligible for coverage in the State Health Benefits Program (SHBP) as a result of the previous benefits eligibility criteria as established by the State of New Jersey.

Procedure to Determine Health Benefits Eligibility

As a result of the ACA’s Employer Shared Responsibility Provision (ESRP), the University will begin to enroll employees who previously were ineligible for SHBP coverage, but meet the ACA definition of full-time. The ACA defines a full-time employee as an individual who works, on average, 30 or more hours per week over a 12-month period.

In accordance with the ACA, a standard measurement period (SMP) of November 1, 2015 through October 31, 2016 will be used to measure faculty and staff hours in order to determine eligibility. Those individuals found to be eligible for coverage under the ACA will be notified directly via their University e-mail on or about December 14 with instructions on how to elect coverage should they wish to do so. This measurement exercise will be completed by UHR annually. Additionally, newly hired faculty and staff starting on or after January 1, 2017 who are not expected to work 30 or more hours each week will be measured via an individual measurement period (IMP), which will be their first year of employment. If that measurement determines that an average of 30 or more hours has been worked, coverage may be offered with a 60-day waiting period, comparable to the waiting period for new, full-time benefits-eligible employees under the previous eligibility criteria.

For information on SHBP medical plans, including plan options, please visit: http://uhr.rutgers.edu/benefits/health-benefits/medical-plans.

If you have any questions, please contact a Benefits Specialist at 848-932-3990 or at benefits@hr.rutgers.edu.