Health Care Primer: What Do You Really Need to Know? Christianna L. Finnern
|
|
- Hilda Baker
- 8 years ago
- Views:
Transcription
1 Health Care Primer: What Do You Really Need to Know? Christianna L. Finnern
2 Obligations Under the Health Care Law Employers should be aware of their short and long term obligations under the Patient Protection and Affordable Care Act (PPACA). PPACA will require all Americans and non citizen lawful residents to obtain health insurance.
3 Obligations Commencing in 2012 Employers must provide health plan participants with a summary of benefit coverage. Employers must include in employee s W 2 forms information regarding the value of employer provided health coverage. Employers with self funded health plans are required to pay an annual fee of $2 multiplied by the average number of covered participants under the plan ($1 for the first year of implementation).
4 Obligations Commencing in 2013 Employers must explain to employees the availability of health exchanges, which will take effect in An Exchange would be available to employers with up to 100 employees when it opens for enrollment January 2, 2014.
5 Other Compliance Issues in 2013 Contributions to flexible spending accounts (FSAs) are subject to a $2,500 annual limit. An employer can no longer deduct prescription drug expenses paid for Medicare retirees to the extent the employer receives the subsidy provided under Part D of Medicare. Health plans will need to comply with administrative simplification requirements (operating rules for electronic healthcare transactions).
6 Compliance Issues in 2014 Plans cannot impose preexisting conditions exclusions. Plans cannot have waiting periods longer than 90 days. Cost sharing provisions of a medical plan (except for grandfathered plans) may not exceed specified dollar limits.
7 Compliance Issues in 2014 Plans (except for grandfathered plans) are generally required to permit participation in clinical trials, cannot deny coverage for routine costs of care provided under clinical trials, and may not discriminate based on participation in a clinical trial. If an employer chooses not to offer coverage or offers unaffordable coverage, the employer is subject to penalties. Employers providing minimum essential coverage under their plans need to report certain information annually to the U.S. Treasury and to covered individuals.
8 Compliance Issues in 2014 Employers are required to annually certify whether they offer their full time employees the opportunity to enroll in a plan providing minimum essential coverage and, if so: the length of the waiting period required by the plan, how many months during the year the coverage was offered, and certain other information about the plan as well as information about their full time employees.
9 What is a Health Insurance Exchange? A Health Insurance Exchange is a marketplace for individuals and businesses to compare, choose, and purchase affordable health insurance. An Exchange is an online marketplace where Minnesotans can purchase private health insurance or enroll in public programs like Medical Assistance and the Children's Health Insurance Program (CHIP). An Exchange can help small business provide affordable coverage to employees.
10 Health Insurance Exchanges in Minnesota The exchange moved from the Department of Commerce to the Minnesota Department of Management and Budget. Minnesota is working toward a Nov. 16 deadline for submitting a blueprint proposal for the state based exchange.
11 Health Insurance Exchanges in Minnesota Who is eligible to use an Exchange? An Exchange may be used by individual consumers and small businesses with up to 100 employees when it opens for enrollment on January 1, Minnesota may limit eligibility to small businesses with up to 50 employees before 2016, but the determination has not yet been made. Large employers may participate in 2017.
12 Small Business Tax Credit Small businesses may be eligible for the small business health care tax credit if they: Cover at least 50 percent of the coverage costs for workers, Pay average annual wages below $50,000, and Have fewer than 25 full time employees. 2013: maximum tax credit is 35 percent of premiums paid by small businesses and 25 percent by nonprofits. 2014: value of the credit increases to 50 percent for small businesses and 35 percent for nonprofits.
13 Penalties under PPACA PPACA does not explicitly mandate that employers offer health insurance to employees. However, certain employers that have at least 50 full time employees will face penalties, beginning in 2014, if one or more full time employees obtains a premium credit through an exchange. Individuals may be eligible for premium credits if the employer does not offer coverage, offers unaffordable coverage, or does not provide minimum value.
14
15 Thank you.
{PPACA: Update} Not for Profit December 11 & 12, 2013
{PPACA: Update} Not for Profit December 11 & 12, 2013 Agenda Plans that must comply Reforms currently in place 2013 compliance deadlines 2014 compliance deadlines Future compliance deadlines 2 Plans That
More informationHealth Care Reform How it Will Affect Employers and their Group Health Plans. Benecon Comments and Observations
Health Care Reform How it Will Affect Employers and their Group Health Plans This Health Care Reform Summary applies to all employers (including government and church plans) that provide health coverage
More informationthe Affordable Care Act: What Colorado Businesses Need to Know
22 About questions the Affordable Care Act: What Colorado Businesses Need to Know 1 What is the Affordable Care Act? Who is impacted (small, large businesses and self-insured)? The Patient Protection and
More informationHEALTH CARE REFORM FREQUENTLY ASKED QUESTIONS
HEALTH CARE REFORM FREQUENTLY ASKED QUESTIONS Consumers When will the health care reform law take effect? The health insurance reforms adopted as part of the Patient Protection and Affordable Care Act
More informationFLORIDA HEALTH CARE COALITION
FLORIDA HEALTH CARE COALITION Orlando-based 501c3 non-profit, established 29 years ago Provide education, research and program development support to our members Focus on quality improvement, first and
More informationHealth Care Reform Management Alert Series Roadmap of Plan Changes Needed For Upcoming Plan Years
Health Care Reform Management Alert Series Roadmap of Plan Changes Needed For Upcoming Plan Years Seyfarth Shaw has generously given permission to Lawyers Alliance for New York to circulate this chart
More informationA Digital Insurance Health Care Reform Handbook for Employers
A Digital Insurance Health Care Reform Handbook for Employers Health care reform is complicated. Sifting through all the regulations and provisions can be time-consuming and confusing. That s why Digital
More informationImportant Effective Dates for Employers and Health Plans
Brought to you by Sullivan Benefits Important Effective Dates for Employers and Health Plans On March 23, 2010, President Obama signed the health care reform bill, or Affordable Care Act (ACA), into law.
More informationImportant Effective Dates for Employers and Health Plans
Brought to you by Krempa Associates, Inc. Important Effective Dates for Employers and Health Plans On March 23, 2010, President Obama signed the health care reform bill, or Affordable Care Act (ACA), into
More informationImportant Effective Dates for Employers and Health Plans
Brought to you by Hipskind Seyfarth Risk Solutions Important Effective Dates for Employers and Health Plans On March 23, 2010, President Obama signed the health care reform bill, or Affordable Care Act
More informationHealth Reform. Employer Penalty Delay: What are the Consequences? Impact of the Delay on Employers
Health Reform Employer Penalty Delay: What are the Consequences? Martin Haitz (484) 270-2575 martin.haitz@marcumfs.com Issued date: 07/29/13 The employer penalty provisions and two reporting requirements
More informationPotential Penalties for Employers under the Pay or Play Rules
The Affordable Care Act (ACA) brings many changes to employers and health plans. One such change essentially amounts to a requirement for some employers to offer a certain level health care to their employees
More informationA Digital Benefit Advisors Health Care Reform Handbook for Employers
A Digital Benefit Advisors Health Care Reform Handbook for Employers Health care reform is complicated. Sifting through all the regulations and provisions can be time-consuming and confusing. That s why
More informationFederal Health Reform FAQs
Federal Health Reform FAQs Individuals 1. What is an exchange? An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.
More informationThe Instant Insurance Guide: Federal Health Care Reform
The Instant Insurance Guide: Federal Health Care Reform From Karen Weldin Stewart, CIR-ML Delaware Insurance Commissioner 1-800-282-8611 www.delawareinsurance.gov A Message From The Delaware Department
More informationCOMPLIANCE ADVISOR. 2014 Affordable Care Act Compliance Checklist
COMPLIANCE ADVISOR August 2013 2014 Affordable Care Act Compliance Checklist IN THIS ISSUE: 1 2 3 4 5 6 7 8 9 10 11 12 Grandfathered Plan Status Confirmation No Annual Dollar Limits on Essential Health
More informationThe Affordable Care Act: What You Need to Know for 2015 And Beyond. Presented by: Jennifer Zando Director, Account Management, POMCO Group
The Affordable Care Act: What You Need to Know for 2015 And Beyond Presented by: Jennifer Zando Director, Account Management, POMCO Group 2 Agenda The ACA: Where We ve Been Health Plan Identifiers Transitional
More informationHEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND
WWW.BKLAWYERS.COM HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND ABA SECTION OF LABOR AND EMPLOYMENT LAW EMPLOYEE BENEFITS COMMITTEE MID- WINTER MEETING 201 BLITMAN & KING LLP Franklin Center,
More informationINDIVIDUAL RESPONSIBILITY
Health Care Reform (HCR), Affordable Care Act (ACA), Mandates, Regulations, Health Insurance Marketplace, Health Insurance Exchanges, Penalties What does all this mean to you in 2014? There are many health
More informationHealth Care Reform Update. Spring 2014
Health Care Reform Update Spring 2014 Quincy Quinlan Texas Association of Counties 512 478 8753 quincyq@county.org http://www.county.org Today s Agenda Timeline Fees/Taxes Individual Mandate Marketplace
More informationHealth Care Reform. Employer Action Overview
Health Care Reform Page 1 of 6 Health Care Reform Immediatemmediate Employer Action Required Notes Employers must provide a reasonable break time for employees who are nursing mothers to express breast
More informationHealth Care Implementation Timeline
Health Care Implementation Timeline The massive healthcare (H.R. 3590) and its companion reconciliation bill (H.R. 4872) passed by the Senate and House in early 2010 will go into effect over several years.
More informationShared Responsibility: What It Means for Your Business
Shared Responsibility: What It Means for Your Business The provisions of the Affordable Care Act (ACA) apply to nearly all companies in the United States. The ways they apply, however, can be different
More informationPatient Protection and Affordable Care Act of 2009: Immediate Health Insurance Market Reforms
Patient Protection and Affordable Care Act of 2009: Immediate Health Insurance Market Reforms Provision Notes Standards Development Applicability Effective Date PPACA Statutory Annual and Lifetime Limits
More informationHEALTH CARE REFORM: FREQUENTLY ASKED QUESTIONS (Group, Individual, Seasonal)
Group Health Insurance Q & A HEALTH CARE REFORM: FREQUENTLY ASKED QUESTIONS (Group, Individual, Seasonal) 1. Will small employers continue to have 12 month rates as they exist today? a. Yes. Employer groups
More informationEffective dates for provisions of the PPACA are spread out from 2010 through 2018. This document focuses on 2013 and 2014.
As part of our ongoing initiative to provide added value to our customers, this health care reform summary is being provided on an information only basis. This is NOT a legal document and is not intended
More informationHealth Care Reform Frequently Asked Questions
Health Care Reform Frequently Asked Questions On March 23, 2010, President Obama signed federal health care reform into law, also known as the Patient Protection and Affordability Act. A second, or reconciliation
More informationPREPARE FOR AFFORDABLE CARE ACT NOW & AVOID PENALTIES!
PREPARE FOR AFFORDABLE CARE ACT NOW & AVOID PENALTIES! Ken Laks, Tax Specialist Eric Dielmann, Employee Benefit Specialist PRESENTED BY WHY WORRY? Employer Mandate has Been Postponed until 2015! Guaranteed
More informationSimple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future.
Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. If you have any questions, please contact: Health Reform: A Guide
More informationHow To Comply With The Health Care Act
AFFORDABLE CARE ACT Employers that provide health coverage to employees are responsible for complying with many of the provisions of the Affordable Care Act (ACA). Provisions take effect on staggered dates
More informationHow To Prepare A Health Care Plan For A Job Interview
Health Care Reform 2013 & 2014 Planning Employers should review the fast-approaching 2013 and 2014 health care reform requirements. State Exchanges will be opening enrollment as soon as October 1, 2013
More informationYour guide to health care reform provisions
Your guide to health care reform provisions February 2014 edition Since the Patient Protection and Affordable Care Act (PPACA) was enacted in March 2010, businesses have been impacted by federal health
More informationState Based Exchange - How to Qualify For a FTE
Presented by: Kevin Kuhlman National Federation of Independent Business State Decision Update Small Employer Responsibilities Individual Mandate Individual and Small Business Exchanges Affordable Coverage
More informationwww.thinkhr.com 877-225-1101 Employer Health Reform Checklist
www.thinkhr.com 877-225-1101 Employer Health ThinkHR grants the reader non-exclusive, non-transferable, and limited permission to use this document. The reader may not sell or otherwise use this document
More informationTAX CHANGES IN THE HEALTHCARE REFORM ACT
TAX CHANGES IN THE HEALTHCARE REFORM ACT Paul Varner 1 June 3, 2010 Jackson, Mississippi 2010 Butler, Snow, O Mara, Stevens & Cannada, PLLC. All rights reserved. Tax Law Changes In Healthcare Reform THREE
More informationChristy Tinnes, Brigen Winters and Christine Keller, Groom Law Group, Chartered
Preparing for Health Care Reform A Chronological Guide for Employers This Article provides an overview of the major provisions of health care reform legislation affecting employers and explains the requirements
More informationHealth Reform: A Guide for Employers
Updated with information on the Supreme Court health reform decision July 2012 Health Reform: A Guide for Employers Simple answers to health reform s complex issues facing every employer and what you can
More informationHEALTHCARE REFORM: WHAT YOU NEED TO KNOW
WHAT IS HEALTHCARE REFORM? Healthcare reform refers to the healthcare law passed in 2010 that significantly changed health policy in the United States. Healthcare reform includes numerous requirements
More informationSelected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010
Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 This chart outlines, in depth, selected provisions in the Patient
More informationHealthcare Reform Provisions Unique to Small Employers/Financial and Other Benefits Concerns for All Employers (updated May 2, 2014)
/Financial and Other Benefits Concerns for All Employers (updated May 2, 2014) Lisa L. Carlson, J.D., Area Senior Vice President, Compliance Counsel Gallagher Benefit Services, Inc. While most healthcare
More informationTHE AFFORDABLE CARE ACT ( ACT ), NEW EMPLOYER MANDATES, AND IMPACTS ON EMPLOYER- SPONSORED HEALTH INSURANCE PLANS
Community THE AFFORDABLE CARE ACT ( ACT ), NEW EMPLOYER MANDATES, AND IMPACTS ON EMPLOYER- SPONSORED HEALTH INSURANCE PLANS Prepared for the 2014 Massachusetts Municipal Association Annual Meeting On March
More informationEmployer Health Reform Survey Results
Employer Health Reform Survey Results June 2011 L O C K T O N C O M P A N I E S, L L C Figure 1 - Levels of Concern Regarding the Following Aspects of the Health Reform Law, Across All Industries Levels
More informationManaging Health Care Reform Benefit Changes within your Own Organization
ICCMHC Winter Conference February 17, 2011 Managing Health Care Reform Benefit Changes within your Own Organization John F. Gause, President jgause@apexbg.com Overview Health Care Reform - Short Term Impact
More informationSummary of Potential Employer Penalties Under the Patient Protection and Affordable Care Act (PPACA)
Summary of Potential Employer Penalties Under the Patient Protection and Affordable Care Act (PPACA) Hinda Chaikind Specialist in Health Care Financing Chris L. Peterson Acting Section Research Manager
More informationHEALTH CARE REFORM AND STOP LOSS INSURANCE APRIL, 2013
HEALTH CARE REFORM AND STOP LOSS INSURANCE APRIL, 2013 Bruce A. Richards, FSA, MAAA, FCA Partner, Chief Healthcare Actuary & Quality Leader Mercer Health and Benefits, LLC Richmond Key Elements of Health
More informationwww.thinkhr.com AFFORDABLE CARE ACT SMALL EMPLOYER HEALTH REFORM CHECKLIST
www.thinkhr.com AFFORDABLE CARE ACT SMALL EMPLOYER HEALTH REFORM CHECKLIST Employers that provide health coverage to employees are responsible for complying with many of the provisions of the Affordable
More informationHealth Care Law Implementation: What Nonprofits Need to Know WELCOME!
Health Care Law Implementation: What Nonprofits Need to Know WELCOME! Health Care Law Implementation: What Nonprofits Need to Know (PPACA) Health Care Law Implementation: What Nonprofits Need to Know Heather
More informationHealth insurance Marketplace. What to expect in 2014
Health insurance Marketplace What to expect in 2014 Overview The Affordable Care Act (ACA) includes several provisions geared to extend greater access to health insurance benefits to more people. Beginning
More informationOVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS
OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS Brief Prepared by MATTHEW COKE Senior Research Attorney LEGISLATIVE
More informationThe Impact on Business
The Impact on Business Affordable Care Act Reform addresses access to coverage not healthcare cost or population health ACA passed in 2010. The Supreme Court upheld ACA in 2012 and President Obama was
More informationQ. My company already offers employee health coverage, how does the law impact me?
Frequently Asked Questions Q. Will my business be required to provide employee health insurance under the health care law? A. The law does not mandate employers provide employees health care coverage.
More informationHealth Care Reform Frequently Asked Questions
Health Care Reform Frequently Asked Questions On March 23, 2010, President Obama signed federal health care reform into law, also known as the Patient Protection and Affordability Act. A second, or reconciliation
More informationAFFORDABLE CARE ACT LARGE EMPLOYER HEALTH REFORM CHECKLIST. Edition: November 2014
AFFORDABLE CARE ACT Employers that offer health care coverage to employees are responsible for complying with many of the provisions of the Affordable Care Act (ACA). Most health reform changes apply regardless
More informationTimeline of New Health Care Law and Its Impact on American Businesses
Timeline of New Health Care Law and Its Impact on American Businesses Summaries of the Patient Protection and Affordable Health Care Act (Public Law 111-148) Health Care and Education Reconciliation Act
More informationHealth care reform: Past, present and future. Manufacturer & Business Association September 25, 2013
Health care reform: Past, present and future Manufacturer & Business Association September 25, 2013 Agenda Health Care Reform - The Past - The Present - Coverage - Exchanges - The Future Questions 1 The
More informationhttp://www.anthemfacts.com/ http://bit.ly/1mjhbek http://bit.ly/1upj9aj http://bit.ly/1j96kod
February 16, 2015 Anthem Data Breach It was bound to happen but few people thought it would happen on this scale. Anthem has reported a data breach involving up to 80 million people. Anthem has set up
More informationHealth Care Reform Alert: Important Deadlines for Employers
T HE J AECKLE A LERT HEALTH CARE AND EMPLOYEE BENEFITS PRACTICE GROUPS ATTORNEY ADVERTISING Health Care Reform Alert: Important Deadlines for Employers Although many important reforms under the Patient
More informationNJ CUPA HR The Affordable Care Act & Its Implication for Employers April 4, 2014
NJ CUPA HR The Affordable Care Act & Its Implication for Employers April 4, 2014 About NJBIA Represents 21,000 companies of all sizes and types, which employ over 1 million workers in the State. Advocate
More informationFAQ. Affordable Care Act s Employer Mandate: Deciding Whether Your Organization Should Pay or Play FAQ
FAQ Affordable Care Act s Employer Mandate: Deciding Whether Your Organization Should Pay or Play Editor s Note: On April 17, 2013, WorldatWork hosted the second webinar of a three-part town-hall series
More informationHEALTH CARE REFORM: PLAY OR PAY?
The Ultimate Guide to HEALTH CARE REFORM: PLAY OR PAY? Calculate Your Health Benefits Savings 23 DISCLAIMER The information provided herein by Health Insurance Brokers is general in nature and should not
More informationPrescribed Side Effects of the Patient Protection and Affordable Care Act (PPACA): Healthcare Reform Update
August 14, 2013 Presented by: Jay Hutto, CPA Prescribed Side Effects of the Patient Protection and Affordable Care Act (PPACA): Healthcare Reform Update Click HERE to listen to webinar. August 14, 2013
More informationNavigating the New Health Insurance Environment THE AFFORDABLE CARE ACT AND PROFESSIONAL EMPLOYER ORGANIZATIONS (PEOS)
Navigating the New Health Insurance Environment THE AFFORDABLE CARE ACT AND PROFESSIONAL EMPLOYER ORGANIZATIONS (PEOS) EXECUTIVE SUMMARY The recent health care overhaul affects how businesses administer
More informationHealthy Business Chat 07/10/2014
Healthy Business Chat 07/10/2014 1 What Is An Insurance Exchange? An Insurance Exchange is an organized marketplace for insurance plans to compete and offer services efficiently in the small group and
More informationAnd Changes under Healthcare Reform affecting businesses
And Changes under Healthcare Reform affecting businesses 1 Individual Mandate 2 First there were two choices Under the Affordable Care Act every individual must have Minimum Essential Healthcare Coverage
More informationEmployer s guide to health care reform requirements
Employer s guide to health care reform requirements June 2015 edition As the Affordable Care Act (ACA) continues to be implemented, you ll need to remain aware of the policies and provisions that affect
More informationHow To Get Health Care Reform For The United States
Federal Health Care Reform: Implications for New York Division of Coverage and Enrollment Office of Health Insurance Programs Health Bureau Insurance Department June 2010 Federal Health Care Reform: Where
More informationInSight. A Littler Mendelson Report. Health Care Reform: Are You Prepared? A Timeline for Employers to Follow
A Littler Mendelson Report InSight An Analysis of Recent Developments & Trends In This Issue: April 2010 The Patient Protection and Affordable Care Act was signed into law on March 23, 2010. Amendments
More informationHealth Reform. Presented by USI Affinity
Health Reform Presented by USI Affinity USI Affinity Introduction USI Affinity has been working with Associations and their members for over 50 years. USI Affinity has offices in Philadelphia, Harrisburg,
More informationThis glossary provides simple and straightforward definitions of key terms that are part of the health reform law.
This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. A Affordable Care Act Also known as the ACA. A law that creates new options for people
More informationSection 2: INDIVIDUALS WHO CURRENTLY HAVE
Section 2: INDIVIDUALS WHO CURRENTLY HAVE COVERAGE OR AN OFFER OF COVERAGE FROM THEIR EMPLOYER Section 2 covers enrollment issues for individuals who have coverage or an offer of coverage whether through
More informationEmployee Benefits Update Including PPACA
Employee Benefits Update Including PPACA Christine Burke Worthen, Esq. Assistant General Counsel Eastern Maine Healthcare Systems Brewer, Maine Recap: PPACA Provisions Already in Effect (2011 Plan Year)
More informationHealth Care Reform Update
Small Businesses No Financial Requirements for Small Businesses: The ACA imposes no financial requirements for small businesses to contribute to their employees health insurance. However, beginning in
More informationIt goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform.
WHAT IS HEALTHCARE REFORM? Healthcare Reform (HCR) is a law passed by Congress that provides many different requirements. A very important aspect of the law is that it is designed to provide individuals
More informationNevada Employer s Guide to the Affordable Care Act. Nevada Division of Insurance
Nevada Employer s Guide to the Affordable Care Act Nevada Division of Insurance Nevada Employer s Guide to the Affordable Care Act State of Nevada Department of Business and Industry Division of Insurance
More informationThe Future is Now Christine C. Rinn
Health Insurance Market Reforms Under PPACA: The Future is Now Christine C. Rinn Introduction PPACA created numerous market reforms affecting group health plans and health insurance issuers in the group
More informationillinois health insurance marketplace
illinois health insurance marketplace healthcare reform is coming. find answers here. healthcarereform.illinois.gov The Affordable Care Act. What it means for you. In March of 2010, the Affordable Care
More informationINDIVIDUAL HEALTH INSURANCE GUIDE. Introduction. What is the Health Insurance Marketplace?
INDIVIDUAL HEALTH INSURANCE GUIDE Introduction On November 15th, 2014, the second annual Open Enrollment Period for Individual Health Insurance begins. The Affordable Care Act (ACA) requires all US citizens
More informationHealth Reform in a Nutshell: What Small Businesses Need to Know Now.
Health Reform in a Nutshell: What Small Businesses Need to Know Now. With the passage of the most significant reform of America s modern-day health care system, many small business owners and human resources
More informationHealth Care Reform Frequently Asked Questions (FAQ) Consumers Employers
This page provides answers to frequently asked questions (FAQ) regarding The Patient Protection and Affordable Care Act (PPACA; P.L. 111-148) and the Health Care and Education Reconciliation Act of 2010
More informationAnswers about. Health Care REFORM. for your business
Answers about Health Care REFORM for your business Since the time of its enactment in 2010, the health care reform law has remained controversial at least in part due to a constitutional challenge to the
More informationDavid Lyons Founding Director and Chief Executive Officer
The New Health Insurance Marketplace Changes Impacting Small Employers and the SHOP Opportunity David Lyons Founding Director and Chief Executive Officer CoOportunity Health 10/1/2013 1 Why the Change?
More informationHealth Care Reform & The Health Insurance Marketplace. Presented by Mikal A Jeffries, CEBS Account Manager
Health Care Reform & The Health Insurance Marketplace Presented by Mikal A Jeffries, CEBS Account Manager 1 Health Care Reform Review Goals of Health Care Reform Increase number of Americans with health
More informationHelbling Benefits Consulting Your Health Care Reform Partner
Helbling Benefits Consulting Your Health Care Reform Partner Will you be hit with penalties due to health care reform? Once the employer mandate becomes effective, some employers may have to pay a penalty
More informationEncouraging Employer-Sponsored Health Insurance
Encouraging Employer-Sponsored Health Insurance Christina Wessel Minnesota Budget Project Deputy Director 651-757-3065 cwessel@mnbudgetproject.org Minnesota Council of Nonprofits 2314 University Avenue
More informationFrequently Asked Questions: The Affordable Care Act and You
Frequently Asked Questions: The Affordable Care Act and You This document provides answers to the common questions we receive regarding the Affordable Care Act and Health Insurance Marketplaces. If you
More informationThe Effect of the Affordable Care Act on Your Small Business. Presented to : Greater Kansas City Chamber Business Class
The Effect of the Affordable Care Act on Your Small Business Presented to : Greater Kansas City Chamber Business Class November 6, 2013 KHN Kaiser Health News Current Headlines October 31- November 4,
More information2015-2016: What You Need To Know About The Affordable Care Act
2015-2016: What You Need To Know About The Affordable Care Act A nonprofit independent licensee of the Blue Cross Blue Shield Association National strength. Local focus. Individual care. SM We are committed
More informationHealth Care Reform 101 for June 3, 2013
Commercial & Personal Insurance Employee Benefits Retirement Plan Services Wealth Management Health Care Reform 101 for June 3, 2013 Requirements: Pre-HCR vs. Post-HCR Offering/Maintaining Health Insurance
More informationAffordable Care Act (ACA) Frequently Asked Questions
Grandfathered policies Q1: What is grandfathered health plan coverage? A: The interim final rule on grandfathering under ACA generally defines grandfathered health plan coverage as coverage provided by
More informationHEALTH CARE REFORM DOCUMENT FROM THE WEBSITE OF BLUE CROSS BLUE SHIELD OF NORTH DAKOTA
HEALTH CARE REFORM DOCUMENT FROM THE WEBSITE OF BLUE CROSS BLUE SHIELD OF NORTH DAKOTA Frequently Asked Questions I ve heard the federal government launched a new website called Healthcare.gov. How can
More informationUpdates to Affordable Care Act: Law, Regulatory Explanation and Analysis, 2014
Updates to Affordable Care Act: Law, Regulatory Explanation and Analysis, 2014 Chapter 2. Individuals 205. Individual Health Insurance Mandate In December 2013, the Administration announced that individuals
More informationSandy Wood, CEBS (Certified Employee Benefit Specialist) Healthcare Consultant sandy@thebenefitsacademy.com 206-669-3345
1 Sandy Wood, CEBS (Certified Employee Benefit Specialist) Healthcare Consultant sandy@thebenefitsacademy.com 206-669-3345 2 Terms you need to know Required Notices 2014 Plan Requirements The Grandfathered
More informationHealth Care Reform: Ready or Not, Here it Comes! Presented by:
Broader Perspective. Business Solutions. Health Care Reform: Ready or Not, Here it Comes! Presented by: Ryan Fridborg, MAOD, SPHR Executive Vice President, Employee Benefits rfridborg@boltonco.com Marilyn
More informationChart: Key employer health care reform elements
Chart: Key employer health care reform elements Health care reform with major implications for employers has now become law, with a package of revisions heading for Senate action. The approved measure
More informationA SUMMARY OF HEALTH REFORM
A SUMMARY OF HEALTH REFORM The passage of the Patient Protection and Affordable Care Act of 2010, as amended by the Health Care and Education Reconciliation Act of 2010 (herein collectively referred to
More informationAffordable Care Act (ACA) Violations Penalties and Excise Taxes
Brought to you by The Insurance Exchange Affordable Care Act (ACA) Violations Penalties and Excise Taxes The Affordable Care Act (ACA) includes numerous reforms for group health plans and creates new compliance
More informationKansas Insurance Department
Kansas Insurance Department The Affordable Care Act What Happens Now? Kansas Society of CPAs June 5, 2013 Linda J. Sheppard, Special Counsel & Director of Health Care Policy and Analysis 2010 Affordable
More informationCoinsurance A percentage of a health care provider's charge for which the patient is financially responsible under the terms of the policy.
Glossary of Health Insurance Terms On March 23, 2010, President Obama signed the Patient Protection and Affordable Care Act (PPACA) into law. When making decisions about health coverage, consumers should
More informationPatient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information
Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required by the
More information