Top Questions Employers Ask About Minimum Essential Coverage Plans

Minimum Essential Coverage (MEC) plans have become a popular solution for businesses looking to meet ACA compliance requirements without breaking the bank. 

Despite their popularity, many employers still have questions about how these plans work and whether they’re right for their workforce. We’ll answer some of the most common questions employers ask about MEC plans so you can make an informed decision.

1. What Does MEC Cover?

MEC plans focus on preventive care services required under the ACA. This includes:

  • Annual check-ups

  • Immunizations

  • Screenings (ex: certain cancer screenings)

  • Wellness visits

While MEC plans don’t cover major medical expenses like surgeries or hospital stays, they provide essential services that help employees maintain their health and catch potential issues early. Some plans cover more than these, it just depends on what level you choose.

2. Are MEC Plans ACA-Compliant?

Yes! MEC plans meet the ACA’s requirement for employers to offer coverage to full-time employees (30+ hours/week). By providing MEC coverage, businesses avoid penalties associated with noncompliance while supporting employee wellness.

3. How Much Do MEC Plans Cost?

One of the biggest advantages of MEC plans is their affordability compared to traditional health insurance. We offer MEC plans starting at just $44/month—making them an ideal option for cost-conscious industries like hospitality, fast food, etc.

4. What Makes Our MEC Plans Different?

Essential Benefit Administrators stands out from competitors by offering:

  • Access to the popular First Health network (covering all 50 states).

  • $0 unlimited telemedicine visits for convenient healthcare access anytime.

  • Free IRS filing services (1094-C/1095-C), saving clients time and money on compliance reporting.

  • Pharmacy discounts that reduce out-of-pocket costs for employees.

  • Bilingual customer service to ensure clear communication with diverse workforces.

5. How Do Employees Enroll in MEC Plans?

Enrollment is simple with EBA’s text message/email enrollment system. Employees can sign up remotely without needing extensive paperwork or in-person meetings—a valuable feature for industries with remote or mobile workforces.

6. Can MEC Plans Improve Employee Engagement?

Absolutely! While MEC plans don’t provide comprehensive coverage like traditional insurance, features like preventive care services, telemedicine access, pharmacy discounts, and bilingual support show employees that their health matters—boosting morale and retention.

Do You Have Any Other Questions On MEC Plans?

Minimum Essential Coverage plans offer an affordable way for businesses to meet ACA compliance requirements while providing meaningful benefits to employees. Whether you’re navigating high turnover or tight budgets, MEC plans deliver flexibility and value (without sacrificing quality). 

If you still have questions about how MEC plans work or want personalized guidance on choosing the right plan for your business, contact us today! 

Ryan Brown