Failure to comply with the ACA's individual mandate could bring a penalty letter from the IRS, but employers can take steps to remedy the situation.

It's important for employees to know before they get hurt about products like hospital indemnity that can help offset coverage gaps, and how technology solutions have been created to better prepare for the unexpected.

A key under ACA is to offer employees health care that is affordable, but, when an employee declines the opt-out payment, how do you calculate affordable?