Client Profile
- Industry: National retail chain specializing in used clothing resale and recycling
- Employees: ~2,000 hourly workers
- Income Range: 150%–300% of Federal Poverty Level (FPL)
Challenge
Shortly after the Affordable Care Act was signed, the company needed a compliant, affordable health coverage solution for its large hourly workforce. The broker, representing a national legacy firm, sought expert guidance to design a plan that would:
- Meet ACA requirements
- Be affordable for employees
- Minimize employer risk and administrative burden
Solution
William Hammett recommended a Minimum Essential Coverage (MEC) plan priced at $95/month, with the employer contributing most or all of the cost. The strategy included:
- A streamlined enrollment campaign
- Clear communication to employees
- Ongoing compliance coaching
Results
- Enrollment Success: Over 1,400 employees enrolled in the first year
- Long-Term Stability: Case maintained for 13+ years with no rate increases
- Financial Efficiency: ~10% annual return of unused claims funds to the employer
- Compliance Confidence: Zero ACA penalties or reporting issues
Why It Matters
This case demonstrates how a well-designed MEC plan—when paired with strategic coaching and employer commitment—can deliver long-term ACA compliance, cost control, and employee satisfaction.