A Conversation with the Congressional Research Service
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1 The Academy Capitol Forum: Meet the Experts A Conversation with the Congressional Research Service Bernadette Fernandez, Specialist in Health Care Financing Annie Mach, Analyst in Health Care Financing John Topoleski, Analyst in Income Security Baird Webel, Specialist in Financial Economics September 25, 2014 Copyright 2012 by the American Academy of Actuaries Copyright 2014 by the American Academy of Actuaries All All Rights Rights Reserved. Reserved.
2 Webinar with the American Academy of Actuaries Congressional Research Service September 25, 2014
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7 Today s Objective Provide an overview of some policy areas CRS covers Private Health Insurance Income and Retirement Federal Insurance Issues Discuss Congressional interest and proposed legislation in each policy area 7
8 Private Health Insurance 8
9 Title I of the Affordable Care Act Health insurance exchanges Premium tax credits & cost-sharing subsidies Private health insurance market reforms Employer penalty Individual mandate 9
10 Private Health Insurance Health Insurance Market Reforms Sale of non-compliant plans/policies Grandfathering expansion Risk Mitigation Programs Are they sufficient to mitigate potential financial risk to issuers? Federal share of program expenses 10
11 Private Health Insurance Health Insurance Networks Explaining network adequacy State Federal interaction Potential options for addressing issues related to provider networks Individual Mandate Repeal Modify Strengthen Weaken 11
12 Private Health Insurance ACA & Employer-sponsored insurance (ESI) Employer penalty Definition of full-time Family glitch Tax Code & ESI Modify the tax exclusions for ESI Impact of regulations & guidance 12
13 Retirement 13
14 Retirement Overview of retirement plans Retirement plans in the context of retirement income security Tax advantages and tax treatment of retirement plans Major legislation affecting retirement plans
15 Retirement Types of retirement plans Individual Retirement Accounts (IRAs) Overview Current policy issues Defined contribution pension plans Structure of defined contribution plans Types and features Access prior to retirement Current policy issues Defined benefit pension plans: overview and current policy issues Single-employer pensions Multiemployer pensions State and local government pension plans Pension Benefit Guaranty Corporation (PBGC) insurance for private pension plans
16 Retirement Major pension plan policy issues The decline in defined benefit and increase in defined contribution pensions from 1975 to present Households may not be saving enough for retirement Disparities in pension coverage in (1) small and large firms and (2) public and private sectors Low pension coverage among lower wage workers Regulations that would expand definition of fiduciary Sunset of funding rules for multiemployer defined benefit pension plans at the end of 2014
17 Federal Insurance Issues 17
18 Federal Insurance Issues Primacy of State Regulation McCarran-Ferguson Act of 1945 recognized the states as primary insurance regulators Federal involvement in insurance has increased somewhat over time Risk Retention Act (1980s) Holding Company Oversight (Gramm-Leach Bliley Act ) Federal Insurance Office and Systemic Oversight (Dodd-Frank Act)
19 Federal Insurance Issues Federal insurance programs addressing particular issues In 2005, GAO cataloged more than 150 insurance activities Some examples: Flood Insurance Crop Insurance Terrorism Risk Insurance Aviation War Risk Insurance
20 Federal Insurance Issues Current Legislative Issues National Association of Registered Agents and Brokers Act Terrorism Risk Insurance Act Extension Insurance Capital Standards Clarification Act
21 Questions? Copyright 2014 by the American Academy of Actuaries All Rights Reserved. 21
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