"Under the health law, employers with 100 or more full-time workers can enroll them in company coverage without their say so as long as the plan is affordable and adequate. That means the employee contribution is no more than 9.5 percent of the federal poverty guideline and the plan pays for at least 60 percent of covered medical expenses, on average. 'If you offer an employee minimum essential coverage that provides minimum value and is affordable, you need not provide an opt out,' says Seth Perretta, a partner at Groom Law Group ... If a plan doesn't meet those standards, however, employees must be given the opportunity to decline those company plans[.]"  MORE >>