Viva Health Blog


A lot of controversy surrounds the Affordable Care Act and its implications to business owners. Regardless of your political opinion, there are certainly going to be measurable impacts on the way a business owner has to handle its health insurance and its money. Below are the top four things about the ACA that will impact your business, and what they might mean for your bottom line.

  1. The Employer Mandate - By 2016, small businesses with 50 to 99 full time equivalent employees will need to start insuring their workers. For businesses with more than 100, 95% of their employees must be covered by 2016, and 70% must be covered in 2015. If an employer does not offer insurance, a $2,000 fee will be levied against the employer. If an employer offers insurance, but it isn’t affordable or doesn’t cover at least 60% of total healthcare costs, a $3,000 fee is levied. For more information about the employer mandate, visit
  2. If your business falls into a certain category, it could face increased taxes. The following types of businesses will be affected by tax increases: Medical device manufacturers (2.3% increase), indoor tanning services (10% increase), health insurers (roughly 2%), and brand name drug manufacturers (unknown). The bottom line here is that most businesses won’t feel the effects of these taxes directly, but the rise in cost for certain services or items that occur as a result of taxes on the business listed might warrant some belt tightening.
  3. Called the Home Sales Tax, a tax on investment income (3.8%) will be levied on unearned income. Despite its name, this tax targets both sales on homes as well as capital gains earnings. Real estate companies are going to be particularly affected, as well as businesses who earn a substantial portion of their income on capital gains.
  4. The Self-Employed – For the most part, those who are self-employed won’t directly experience any new taxes. However, if you, as a self-employed person, make over $200,000 per year or choose not to have health insurance, you’ll experience a 0.9% and 1% tax increase respectively.

The bottom line is that most employers aren’t going to experience the effects of Obamacare directly. New taxes and fees are fairly streamlined. But, the danger lies in increased costs passed on to consumers through taxed companies, and penalties for companies over 50 employees that fail to provide adequate health insurance. For more information about the Affordable Care Act, visit

Viva Health Resources

Contact Us

Viva Health, Inc
417 20th Street North, Suite 1100
Birmingham, AL 35203

Monday - Friday from 8am - 6pm

Viva Health Customer Services
(205) 558-7474
(800) 294-7780

We're here for you

If you have questions or complaints about your Viva Health plan or care that you have received, we want you to let us know right away.

© 2019 Viva Health, Inc. All Rights Reserved. Privacy Statement

Viva Medicare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-800-294-7780 (TTY: 711).

注意:如果您使用繁體中文,您可以免費獲得語言援助服務. 請致電 1-800-294-7780 (TTY: 711).