Q.- We are preparing for open enrollment. Is an employee still permitted to waive coverage, or do all employees have to take our medical coverage under the Affordable Care Act?
A.- The Affordable Care Act requires all individuals to have medical coverage or pay a tax penalty. The Affordable Care Act also requires applicable large employers to offer medical coverage to their full-time employees. Employers do not have to require employees to take the medical coverage they offer. However, you should have documented proof that you offered the coverage. It is also advisable to have an employee show proof of other coverage if the employee wishes to waive the coverage you offer.