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Affordable Care Act (ACA)

Effective January 1, 2015

The new Affordable Care Provisions expand coverage to eligible USM contractual employees. Contractual employees working an average of 30+ hours/week will be covered under the State health benefits program as of January 1. Those covered include:

  • Contingent I and II staff working 30+ hours/week
  • Adjunct faculty who teach at least 75% of the expected course load of a full-time non-tenure track instructional faculty member according to their institution’s standards
  • Other contractual faculty working 30+ hours/week
  • Some student employees working 30+ hours/week.

Eligible contractual employees will be able to participate in the State health plan with benefits at least at the following levels:

  • Employer-subsidized medical and prescription drug coverage, but no dental coverage subsidy
  • The State will cover 75% of the cost of coverage, with the employee paying 25%
  • Instead of a payroll deduction, contractual employees will pay the State directly for the cost of their premium.

Additional ACA Resources and information:

Chancellor’s Letter to Employees Eligible for State Benefits Subsidy

Chancellor’s Letter to Employees Ineligible for State Benefits Subsidy

Health Insurance Marketplace Coverage Options and Your Health Care

1095-C Federal Income Tax Filing Instructions

Contractual Rates 

If you are ineligible for subsidized benefit coverage with your employer, Please take a moment to review the resources available to you and your family members through the MHC at: