Which act requires employers with more than 50 employees to provide health insurance?

• A. Patient Protection and Affordable Care Act
• B. Health Insurance Portability and Accountability Act
• C. Americans with Disabilities Act
• D. Occupational Safety and Health Act

Answer: (A)

The main concept being tested is the employer mandate under the Patient Protection and Affordable Care Act. This provision requires employers with 50 or more full-time-equivalent employees to offer health insurance that is affordable and provides minimum value to their full-time employees and their dependents, or face penalties. The 50-employee threshold targets large employers while exempting smaller ones, and the coverage generally must meet minimum essential coverage standards. The other laws mentioned address different goals—HIPAA covers health insurance portability and privacy, the Americans with Disabilities Act protects rights of individuals with disabilities, and the Occupational Safety and Health Act concentrates on workplace safety—so they do not impose this large-employer health insurance obligation.