New messages from Aflac | View Notifications opens a dialog Close X dismisses the notification alert

How is Aflac different from major medical insurance?

Aflac policies are considered HIPAA excepted benefits because they are not major medical health coverage. Being excepted, these benefits are generally excluded from rules and regulations designed for major medical coverage.

Learn More

Full-Time Equivalent Employee Calculator

You have


Full-Time Equivalent Employees

To get a yearly number, the FTEs for 12 calendar months are averaged.

Health care reform and policy resources

You don’t have to wade through thousands of pages of “legalese” to get the facts; here, you can find clarified details for businesses and employees

Health Care Policy Timeline

There have been some big changes made to health care, and more are on the way.
Click the milestones to explore how the changes might affect you.













Z170816R EXP 4/20

The Cadillac tax

Cadillac icon

The Cadillac tax is equivalent to 40 percent of the cost of health coverage beyond a certain threshold, depending on the type of plan. Since it isn’t scheduled to take effect until 2020 and regulations may evolve before it is implemented, employers do not need to make changes to their policies in anticipation of the tax just yet. It’s important to wait for further guidance as 2022 draws near – including the tax threshold amounts and other implementation details. Learn more:

How Aflac can help

Policy icon

Aflac insurance policies don’t replace comprehensive health insurance coverage. Supplemental insurance policies are considered HIPAA excepted benefits, which are excluded from most of the Affordable Care Act’s market reforms.

  • Aflac is for specified injuries, illnesses or disabilities. For example: a broken arm, heart attack, cancer or hospital stay.
  • Aflac helps cover out-of-pocket costs that major medical insurance was never designed to cover. Even with major medical insurance, potential out-of-pocket costs associated with illness or injury can be considerably high.

Make Aflac part of your benefits package today.
Aflac cash benefits can be used for everyday living expenses such as rent or monthly mortgage, utilities, groceries, childcare or to cover out-of-pocket medical expenses.