Will My Business Get Penalized If An Employee Declines Health Insurance Coverage? 
The law states that you must offer coverage . If you have a record that coverage was offered and declined then you will not be penalized . The key here is proper record keeping . There are several reasons an employee may decline your group plan They may be able to receive coverage from a spousal plan for example . There are still many questions that need addressed in the new legislation , and there is a lot of misinformation . An agent versed in the new mandates can be of help as the deadlines approach . The coverage offered must meet the mandates affordability guidelines however . 