Complete ACA Compliance
The Risk: Incomplete Coverage = Full Exposure
Employers who offer MEC-only solutions often believe they are protected. In reality:
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MEC satisfies the “A penalty” requirement (offering coverage)
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But it does not satisfy the “B penalty” requirement (coverage must meet minimum value)
If even one employee receives a premium tax credit through the marketplace, your business could face costly penalties.
Bottom line: MEC-only strategies leave a dangerous compliance gap.
The Solution: Complete Protection with Kerux125 Complete
The Kerux125 Complete Plan is designed to eliminate that gap.
By combining both MEC + MVP, it ensures:
✔ Full ACA compliance
✔ Protection from both A and B penalties
✔ Continued cost savings through a structured, tax-advantaged approach
✔ Stronger, more meaningful benefits for your employees
Why It Matters
Choosing the right structure isn’t just about saving money—it’s about protecting your business.
With Kerux125 Complete, you don’t have to choose between affordability and compliance. You get both.
Fulfilling BOTH ACA Requirements
100% COMPLIANT WITH THE AFFORDABLE CARE ACT
A
B
Minimum Essential Coverage (MEC)
Minimum Value Plan (MVP)
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Companies Using Our
Plans Achieve
100%
ACA Compliance
MINIMUM ESSENTIAL COVERAGE (MEC)
The first Affordable Care Act requirement is that all companies with more than 50 full-time employees must provide coverage for the ACA recommended wellness and preventative services.
MINIMUM VALUE PLAN (MVP)
The second Affordable Care Act requirement is that employers must offer a Minimum Value Plan (MVP). MVP plans provide most of the benefits that people generally associate with health insurance, such as doctor visits, and prescription drug benefits.
TAX A
The "Tax A" is a $3,340 per employee per year penalty which will be assessed against any company that fails to offer an ACA-compliant plan to at least 95% of its full-time employees.
TAX B
The "Tax B" is a $5,010 per employee per year penalty which will be assessed whenever a company fails to offer a compliant plan and one of its full-time employees instead receives a subsidized plan through a government exchange.
The Bottom Line
Kerux125 Complete Achieves...
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100% compliance for an employer
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100% compliance with $0 net cost to an employer
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100% compliance while providing real health insurance benefits employees will actually use and enage with.
