Articles Related To Healthcare Reform

We want to make sure that you stay informed. Check out the articles below to see if they can assist you: 


Click here to read our thoughts on the election results and the possible impact on the ACA. 


Attention employers who sponsor a group health plan with prescription drug benefits! You are required to notify your Medicare-eligible participants and beneficiaries as to whether the drug coverage provided under the plan is “creditable” or “non-creditable.” This notification must be provided prior to October 15th each year.  Click here for more information.  Click here for a sample notice you can modify for your group needs


The ACA requires each Health Insurance Marketplace to provide a “heads-up” to an employer if any employee receives a subsidy and buys coverage in the Marketplace during the current calendar year.  State-based Marketplaces began this notification process in 2015 while Federally-Facilitated Marketplaces will begin the process in 2016. Click here to read frequently asked questions regarding the employer notice program.


The 31st set of Affordable Care Act frequently asked questions has been released!  Click here to read more.


The ACA's new definiton of  small employer was to go into effect January 1, 2016.  Prior to the enactment of the Affordable Care Act (“ACA”), New York Insurance Law Section 3231 classified an employer in the small group market if the employer had between 1-50 employees. However, with the enacted ACA, the federal definition of small employer and in effect, small group, changed from 1-50 to 1-100. However, in October 2015, Congress signed into law the Protecting Affordable Coverage for Employees Act (“PACE Act”), which would amend the federal definition of small employer from 1-100 back to 1-50, effective January 1, 2016.  Read more here!


Stay up to date with health care reform!  Click here to read a weekly compilation from Aetna of health care-related developments in Washington, D.C. and state legislatures across the country.


If you want to plan effectively for changes in Health Care Reform, beginning January 1, 2014, Please click here for critical planning strategies in 2013


IRS designates cheapest healthcare plan for a family of 4 will be $20,000 click here


Provided, is a Summary of the Health Care Reform Law. Please see it here


Please see hereor a Glossary of Key Health Reform Terms


For a simple way to understand what your family is covered for under the new Health Care Reform Act, click here


As an employer, it is imperative that you understand your new obligations under the new Health Care Act. Please see here for an overview.


The Departments of Labor, Health and Human Services and the Treasury issued guidance in the form of a final rule and Frequently Asked Questions about certain provisions of the Affordable Care Act. Please see them here


The IRS provided a Questions and Answers PDF regarding Employer Shared Responsibility Provisions Under the Affordable Care Act. Please see it here


With the many unexpected legal hurdles that the Affordable Health Care Act is overcoming and the opposition from various states, the Health Care Exchanges will not open on time. Please see an in depth article related to this delay here


The Elephant in the Room is an article that addresses the issues employers face providing different tiered health benefits. Please click her to read the article


The Affordable Health Care Act crested under the Fair Labor Standards Act requires that employers provide current and prospective employees a written notice of information regarding the Health Insurance Marketplace. See who must receive the notice and when they should receive the noticehere here


See the top 5 questions that were asked during last week's Health Care Reform webinar which was attended by thousands of our brokers and their clients:


 1. Does the play or pay penalty apply to a large group prior to their renewal date in 2014 if the plan is on a     fiscal  year    (7/1/14)?

A: For large employers, the DOL has issued special rules for plans not on a calendar year.  In January of 2013, the Department of Labor announced “transition relief” for employers with non-calendar fiscal year health...  Read More »


2. Reporting on W-2 forms - we issue under 100 W-2s.  Do we need to report for 2013?  What exactly is to be reported on the W-2?

A: There is no provision as of today to extend the reporting to employers who annually produce fewer than 250 Forms W-2, and the government has stated that it will provide employers with advance notice when that requirement extends to... Read More »


3. Will there eventually be requirement to extend coverage to dependents?

A: Currently, the ACA’s proposed rule requires that coverage be offered to full-time employees and to their dependents. The IRS defines “dependents” for these purposes as the employee’s children as defined in IRC Section 152(f)(1) (i.e., the son, daughter, stepson, stepdaughter or eligible...    Read More »


4For SBCs, how should an employer draft an SBC for a HRA plan specifically?  Has the DOL provided a sample SBC for the HRA?

A: Unfortunately, the DOL has not provided a specific template for HRAs, and some HRAs do not require SBCs.  Generally, Health Reimbursement Arrangements are considered to be group health plans, and those HRAs are required... Read More »


5. How will employers know that employees have been allowed to get a subsidy through the Exchanges?

A: As we understand it, for those employees who elect to purchase coverage through the exchange even though they have employer coverage that is affordable and meets minimum value, the employer will not be penalized.  For those employees who were not offered coverage or it didn’t meet the requirements for...  Read More »

ACA "Cadillac Tax" Reform

Concerned about the Cadillac Tax? Read more here