Offering a calculator-certified plan shields employers from penalties of up to $3,120 per worker next year. The software is used by large, self-insured employers that pay their own medical claims but often outsource the plan design and administration. As companies prepare to offer medical coverage for 2015, debate has grown over government software that critics say can trap workers in inadequate plans while barring them from subsidies to buy fuller coverage on their own.Īt the center of contention is the calculator - an online spreadsheet to certify whether plans meet the Affordable Care Act’s toughest standard for large employers, the “minimum value” test for adequate benefits.
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