The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted over four years ago. Many of these key reforms became effective in 2014 and 2015, including health plan design changes, increased wellness program incentives and the employer shared responsibility penalties.
Additional reforms take effect in 2016 for employers sponsoring group health plans. To prepare for 2016, employers should review upcoming requirements and develop a compliance strategy.
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted in 2010. Many of these key reforms became effective in 2014 and 2015, including health plan design changes, increased wellness program incentives and the employer shared responsibility penalties.
Certain changes to some ACA requirements take effect in 2017 for employers sponsoring group health plans, such as increased dollar limits. To prepare for 2017, employers should review upcoming requirements and develop a compliance strategy.
Although many key reforms of the Affordable Care Act (ACA) are effective for 2014, additional reforms will become effective in 2015 for employers sponsoring group health plans. For 2015, the most significant ACA change is the shared responsibility penalty for applicable large employers. To prepare for 2015, employers should review upcoming requirements and develop a compliance strategy. This Legislative Brief provides a health care reform checklist for 2015.
Health Reform Bulletin 122 | 2017 Inflationary Adjustments and moreCBIZ, Inc.
1) 2017 Inflationary Adjustments; 2) Final Rules: Excepted Benefits, Lifetime and Annual Limits, and Short-Term, Limited-Duration Insurance; and 3) Whistleblower and Retaliation Protections
The document summarizes key aspects and timelines of the Affordable Care Act (ACA) for employers:
- The ACA is being implemented between 2010-2019, with various provisions establishing minimum health benefits, health insurance exchanges, penalties for non-compliant employers, taxes and fees, mandatory spending percentages, and expanded consumer appeal rights.
- Employer plans can be "grandfathered" to delay some requirements if certain criteria are met, such as keeping pre-2010 benefits and increasing costs less than 5% annually.
- Upcoming deadlines and requirements include notifying employees of health insurance exchanges by October 2013, paying new fees beginning July 2013, and covering specific preventative care for women.
Health Reform: Interim Guidance on Expatriate Plans; Updates on ACA Reportin...CBIZ, Inc.
This Health Care Reform Bulletin provides information on the following topics:
a. Interim Guidance on Expatriate Health Coverage
b. Updates on Section 6055/6056 Reporting
i. Revised and Increased Reporting Penalties
ii. E-filing requirements for Employers
c. Final Rules: Preventive Services
d. Reminder on PCOR Fees and Transitional Reinsurance
i. Checklist for PCOR and Transitional Reinsurance Fee
Health Reform Bulletin - PCOR & Transitional Reinsurance Fee RemindersCBIZ, Inc.
This HRB is a reminder of the following upcoming Affordable Care Act (ACA) fees due yet in 2014:
1. The Patient-Centered Outcomes Research (PCOR) Fee
2. The Transitional Reinsurance Fee
This contains a summary chart that can be used as a quick reference of who this fee applies to, when it is due, how it is paid and links to the complete Health Reform Bulletins pertinent to each fee.
Health Reform Bulletin 131 | The ACA Remains The Law of The LandCBIZ, Inc.
As has been covered extensively in the press, Congress went on its summer recess without repealing, replacing or modifying the Affordable Care Act. What this means for employers is that it is “business as usual”, including all reporting obligations, as more fully described below. So where does health care reform stand at this point? The answer to this question is far from clear.
To prepare for open enrollment, health plan sponsors should become familiar with the legal changes affecting plans for the 2014 plan year. In addition, health plan sponsors should make sure that open enrollment packages include certain participant notices.
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted in 2010. Many of these key reforms became effective in 2014 and 2015, including health plan design changes, increased wellness program incentives and the employer shared responsibility penalties.
Certain changes to some ACA requirements take effect in 2017 for employers sponsoring group health plans, such as increased dollar limits. To prepare for 2017, employers should review upcoming requirements and develop a compliance strategy.
Although many key reforms of the Affordable Care Act (ACA) are effective for 2014, additional reforms will become effective in 2015 for employers sponsoring group health plans. For 2015, the most significant ACA change is the shared responsibility penalty for applicable large employers. To prepare for 2015, employers should review upcoming requirements and develop a compliance strategy. This Legislative Brief provides a health care reform checklist for 2015.
Health Reform Bulletin 122 | 2017 Inflationary Adjustments and moreCBIZ, Inc.
1) 2017 Inflationary Adjustments; 2) Final Rules: Excepted Benefits, Lifetime and Annual Limits, and Short-Term, Limited-Duration Insurance; and 3) Whistleblower and Retaliation Protections
The document summarizes key aspects and timelines of the Affordable Care Act (ACA) for employers:
- The ACA is being implemented between 2010-2019, with various provisions establishing minimum health benefits, health insurance exchanges, penalties for non-compliant employers, taxes and fees, mandatory spending percentages, and expanded consumer appeal rights.
- Employer plans can be "grandfathered" to delay some requirements if certain criteria are met, such as keeping pre-2010 benefits and increasing costs less than 5% annually.
- Upcoming deadlines and requirements include notifying employees of health insurance exchanges by October 2013, paying new fees beginning July 2013, and covering specific preventative care for women.
Health Reform: Interim Guidance on Expatriate Plans; Updates on ACA Reportin...CBIZ, Inc.
This Health Care Reform Bulletin provides information on the following topics:
a. Interim Guidance on Expatriate Health Coverage
b. Updates on Section 6055/6056 Reporting
i. Revised and Increased Reporting Penalties
ii. E-filing requirements for Employers
c. Final Rules: Preventive Services
d. Reminder on PCOR Fees and Transitional Reinsurance
i. Checklist for PCOR and Transitional Reinsurance Fee
Health Reform Bulletin - PCOR & Transitional Reinsurance Fee RemindersCBIZ, Inc.
This HRB is a reminder of the following upcoming Affordable Care Act (ACA) fees due yet in 2014:
1. The Patient-Centered Outcomes Research (PCOR) Fee
2. The Transitional Reinsurance Fee
This contains a summary chart that can be used as a quick reference of who this fee applies to, when it is due, how it is paid and links to the complete Health Reform Bulletins pertinent to each fee.
Health Reform Bulletin 131 | The ACA Remains The Law of The LandCBIZ, Inc.
As has been covered extensively in the press, Congress went on its summer recess without repealing, replacing or modifying the Affordable Care Act. What this means for employers is that it is “business as usual”, including all reporting obligations, as more fully described below. So where does health care reform stand at this point? The answer to this question is far from clear.
To prepare for open enrollment, health plan sponsors should become familiar with the legal changes affecting plans for the 2014 plan year. In addition, health plan sponsors should make sure that open enrollment packages include certain participant notices.
The document discusses rising healthcare costs in the US and a new study projecting that healthcare spending will increase substantially over the next decade. It also summarizes strategies that large employers are implementing to better manage costs, such as health improvement programs, engagement of employees, accountability measures, and use of technology. Finally, it provides legislative updates on expanded preventive care coverage for women and subsidies available through the Affordable Care Act.
The document discusses rising healthcare costs in the US and a new study projecting that health care spending will grow faster than GDP over the next decade. It also summarizes strategies that large employers are using to control costs, such as account-based health plans, engagement of employees in wellness programs, and accountability measures. Updates on the Affordable Care Act include expanded preventive coverage for women and guidelines for employer health subsidies in 2014.
This document provides information to students about managing student loan debt after graduating from school. It discusses assessing existing loan amounts, completing exit counseling to understand repayment options and responsibilities, using tools like the National Student Loan Data System to view loan details and repayment estimates. It also outlines several repayment plan options offered by the Department of Education, including standard, extended, graduated, income-based, income-contingent, Pay As You Earn and Revised Pay As You Earn plans, explaining eligibility and payment calculation details for each. The goal is to help students prepare for loan repayment and choose a plan that best fits their financial situation.
IRS Delays Key Provision Of The Affordable Care ActJennifer Brown
The document discusses how the IRS has announced a one-year delay of the employer mandate portion of the Affordable Care Act until 2015. This includes delaying the requirements for employers to offer sufficient and affordable health coverage to full-time employees as well as any associated reporting requirements. However, many other ACA provisions remain on schedule for 2014 such as the establishment of public health insurance exchanges and premium subsidies. Employers are advised to continue preparing for full ACA compliance and that this delay provides more time to address requirements like tracking variable hour employees and responding to future guidance.
Healthcare Check-in: The Latest Developments in Health and Welfare Plansbenefitexpress
We work in an exciting industry – which means quick changes are the norm, and adaptability is a necessity. Keep your compliance plans up to date with a download of all legislative changes since our last update webinar. This webinar covered legislation that's passed in the last six months, what's on the way, and what it means for your organization.
VistaNational Insurance Group provides a comprehensive benefits resource library covering many topics. The library includes sections on health care reform, plan design, compliance, human resources, workplace wellness, benefit communication, and retirement communication. Sample titles and descriptions are provided for numerous newsletters, articles, presentations, notices, and other educational materials on each topic to help users stay informed and make informed decisions about benefits. The resource library aims to help organizations and employees stay up-to-date on benefits trends and remain compliant with changing regulations.
Developing Haiti’s First Health Financing StrategyHFG Project
The Ministry has an approved National Health Policy, known as the Politique Nationale de Santé, which addresses “what” is to be done. In addition, the Ministry is developing a National Health Plan that lays out “how” the National Health Policy will be made operational. However, the Ministry of Health does not yet have a national health financing strategy that outlines “where” resources will come from and “how” they will be used to achieve the country’s health objectives.
To bridge this important gap, the HFG project is working with the Planning and Evaluation Unit of the Ministry of Health to develop a national health financing strategy that will include an operational plan consisting of specific activities, timelines, and an overall health budget. The strategy will focus on the three core functions of health financing: mobilization of resources; pooling of risks and financial protection; and purchasing and provider payment. A strategy mapping out these core health financing functions will enable Haiti to raise the necessary resources, better protect people from the financial consequences of ill health, and make optimum use of resources to achieve the National Health Plan’s vision.
The health financing strategy will serve as a road map, particularly when it is combined with data from the second National Health Accounts, which the HFG project is also supporting, and a fully costed National Health Plan. Together, they will provide strong evidence and powerful justification for increased health financing in the future to improve Haiti’s health outcomes.
Health Reform Alert - Implementation Guidance FAQsCBIZ, Inc.
The ACA’s governing agencies (Labor, HHS and IRS) have issued their 18th set of implementation FAQs, further defining certain aspects of the Affordable Care Act, as well as how the law coordinates with the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). Following are highlights of this guidance.
Learn more at www.cbiz.com
The document provides an overview of the Affordable Care Act (ACA) and its implementation in South Carolina. Some key points:
- The ACA requires most Americans to have health insurance or pay a penalty. It also prohibits denying coverage due to preexisting conditions and prohibits charging sick individuals higher premiums.
- South Carolina has a federally-facilitated health insurance marketplace for individuals and small businesses. Health plans must cover essential health benefits.
- Beginning in 2014, there is no annual or lifetime limits on coverage, no preexisting condition exclusions, guaranteed issue of policies, and limits on out-of-pocket costs. However, grandfathered plans are exempt from some provisions.
-
Frequently asked questions about Obamacareexchangeenvoy
The document summarizes key provisions of the Affordable Care Act (ACA) related to health insurance exchanges, the individual mandate, employer penalties, and dependent coverage requirements. It explains that the ACA requires states to establish health insurance exchanges by 2014 to offer qualified health plans. It also outlines the individual mandate requiring most individuals to have minimum essential health coverage beginning in 2014, and penalties for employers not offering coverage. The ACA extends dependent coverage to age 26.
News Flash October 27 2014 Transitional Reinsurance Fee Counts Due By Nove...Annette Wright, GBA, GBDS
The document summarizes the requirements for transitional reinsurance fees established by the Affordable Care Act. Employers with self-insured health plans must submit enrollment counts and payment by November 17, 2014. They can pay the full 2014 fee by January 15, 2015 or pay in two installments. Late payments will incur interest and penalties. The document provides details on calculating enrollment counts, submitting forms through Pay.gov, and the penalty process for late payments.
The document discusses updates on the Department of Labor's overtime rule and provides a summary of the 2016 Kaiser Health Benefits survey. It notes that a federal judge halted the DOL overtime rule in November 2016 that would have increased the salary threshold for exempt employees. With the rule on hold, employers do not need to raise salaries yet but the DOL has appealed the decision. The summary also outlines key findings from the Kaiser survey such as rising premium and deductible costs and the types of health plans most common among employers.
If the employer mandate is repealed, many ALEs will likely want to modify their plan designs to go back to pre-ACA eligibility rules. Employers may also consider increasing the amount that employees are required to contribute for group health plan coverage.
Legislative Webinar - September 17, 2010BenefitMall
This document summarizes various provisions of the Affordable Care Act (PPACA) related to wellness and prevention initiatives, 2010 PPACA provisions, health insurance exchanges, and over-the-counter drug reimbursements and mini-med plans. It outlines key elements of wellness programs including elimination of copays for preventive care, employee wellness discounts, requirements for break time and space for nursing mothers, nutritional labeling requirements, and small business grants for wellness programs. It also summarizes many 2010 PPACA provisions such as prohibiting pre-existing condition exclusions, establishing health insurance exchanges, and ending annual and lifetime spending caps.
On Friday, August 6, 2010, BenefitMall hosted a Healthcare Reform Webinar. During the presentation, Sharon Alt covered Medical Loss Ratio, Dependant Coverage and Grandfathered Plans.
Start a Solid Business Plan with a Health FSAInfinisource
Budgeting and saving are two basic ingredients to a good financial plan. What is often overlooked during these financial discussions is an employer-provided benefit: Flexible Spending Accounts (FSAs). This is not only a good financial plan for employees, but also employers.
The document provides answers to frequently asked questions about the new US health care reform laws. Some key points:
- Major provisions of the laws will be phased in between 2010-2020, with many taking effect in 2014.
- Beginning in 2014, all citizens must have qualifying health insurance or pay a tax penalty.
- Starting in 2014, individuals and small businesses can purchase qualified coverage through state-based insurance exchanges.
- Employers with over 50 employees that do not offer coverage will face penalties starting in 2014.
- High-risk individuals unable to get coverage due to preexisting conditions will have access to a federal program until 2014.
- Preventive care must be covered without co
Health Reform Bulletin 116 | Year-End Wrap Up Dec. 29, 2015CBIZ, Inc.
The document summarizes new laws and guidance affecting the Affordable Care Act. Key points include:
- New laws delay several ACA taxes, including the "Cadillac tax" until 2020 and pause insurer fees and medical device taxes.
- IRS guidance provides details on employer shared responsibility rules, including affordability calculations and penalty amounts.
- Deadlines for reporting health coverage on Forms 1095-B and 1095-C were extended to March 31, 2016 for furnishing to individuals and May 31, 2016 for filing with the IRS.
Health Reform Bulletin 116 Year End Wrap Up 12-29-15Daniel Michels
The most recent CBIZ Health Reform Bulletin: Year-End Wrap Up (HRB 116). This issue includes specific information and guidance on:
1. Late breaking development, IRS delays new Affordable Care Act's (ACA) reporting and disclosure obligations!
2. On December 18, 2015 Consolidate Appropriations Act, 2016, and the Protecting Americans from Tax Hikes (PATH) Act of 2015 (H. R. 2029; now Public Law No. 114-113) were signed by the President, and amend several provisions of the Affordable Care Act.
3. The IRS Issued guidance relating to ACA implementation
4. Year-End Reminders
The document discusses rising healthcare costs in the US and a new study projecting that healthcare spending will increase substantially over the next decade. It also summarizes strategies that large employers are implementing to better manage costs, such as health improvement programs, engagement of employees, accountability measures, and use of technology. Finally, it provides legislative updates on expanded preventive care coverage for women and subsidies available through the Affordable Care Act.
The document discusses rising healthcare costs in the US and a new study projecting that health care spending will grow faster than GDP over the next decade. It also summarizes strategies that large employers are using to control costs, such as account-based health plans, engagement of employees in wellness programs, and accountability measures. Updates on the Affordable Care Act include expanded preventive coverage for women and guidelines for employer health subsidies in 2014.
This document provides information to students about managing student loan debt after graduating from school. It discusses assessing existing loan amounts, completing exit counseling to understand repayment options and responsibilities, using tools like the National Student Loan Data System to view loan details and repayment estimates. It also outlines several repayment plan options offered by the Department of Education, including standard, extended, graduated, income-based, income-contingent, Pay As You Earn and Revised Pay As You Earn plans, explaining eligibility and payment calculation details for each. The goal is to help students prepare for loan repayment and choose a plan that best fits their financial situation.
IRS Delays Key Provision Of The Affordable Care ActJennifer Brown
The document discusses how the IRS has announced a one-year delay of the employer mandate portion of the Affordable Care Act until 2015. This includes delaying the requirements for employers to offer sufficient and affordable health coverage to full-time employees as well as any associated reporting requirements. However, many other ACA provisions remain on schedule for 2014 such as the establishment of public health insurance exchanges and premium subsidies. Employers are advised to continue preparing for full ACA compliance and that this delay provides more time to address requirements like tracking variable hour employees and responding to future guidance.
Healthcare Check-in: The Latest Developments in Health and Welfare Plansbenefitexpress
We work in an exciting industry – which means quick changes are the norm, and adaptability is a necessity. Keep your compliance plans up to date with a download of all legislative changes since our last update webinar. This webinar covered legislation that's passed in the last six months, what's on the way, and what it means for your organization.
VistaNational Insurance Group provides a comprehensive benefits resource library covering many topics. The library includes sections on health care reform, plan design, compliance, human resources, workplace wellness, benefit communication, and retirement communication. Sample titles and descriptions are provided for numerous newsletters, articles, presentations, notices, and other educational materials on each topic to help users stay informed and make informed decisions about benefits. The resource library aims to help organizations and employees stay up-to-date on benefits trends and remain compliant with changing regulations.
Developing Haiti’s First Health Financing StrategyHFG Project
The Ministry has an approved National Health Policy, known as the Politique Nationale de Santé, which addresses “what” is to be done. In addition, the Ministry is developing a National Health Plan that lays out “how” the National Health Policy will be made operational. However, the Ministry of Health does not yet have a national health financing strategy that outlines “where” resources will come from and “how” they will be used to achieve the country’s health objectives.
To bridge this important gap, the HFG project is working with the Planning and Evaluation Unit of the Ministry of Health to develop a national health financing strategy that will include an operational plan consisting of specific activities, timelines, and an overall health budget. The strategy will focus on the three core functions of health financing: mobilization of resources; pooling of risks and financial protection; and purchasing and provider payment. A strategy mapping out these core health financing functions will enable Haiti to raise the necessary resources, better protect people from the financial consequences of ill health, and make optimum use of resources to achieve the National Health Plan’s vision.
The health financing strategy will serve as a road map, particularly when it is combined with data from the second National Health Accounts, which the HFG project is also supporting, and a fully costed National Health Plan. Together, they will provide strong evidence and powerful justification for increased health financing in the future to improve Haiti’s health outcomes.
Health Reform Alert - Implementation Guidance FAQsCBIZ, Inc.
The ACA’s governing agencies (Labor, HHS and IRS) have issued their 18th set of implementation FAQs, further defining certain aspects of the Affordable Care Act, as well as how the law coordinates with the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). Following are highlights of this guidance.
Learn more at www.cbiz.com
The document provides an overview of the Affordable Care Act (ACA) and its implementation in South Carolina. Some key points:
- The ACA requires most Americans to have health insurance or pay a penalty. It also prohibits denying coverage due to preexisting conditions and prohibits charging sick individuals higher premiums.
- South Carolina has a federally-facilitated health insurance marketplace for individuals and small businesses. Health plans must cover essential health benefits.
- Beginning in 2014, there is no annual or lifetime limits on coverage, no preexisting condition exclusions, guaranteed issue of policies, and limits on out-of-pocket costs. However, grandfathered plans are exempt from some provisions.
-
Frequently asked questions about Obamacareexchangeenvoy
The document summarizes key provisions of the Affordable Care Act (ACA) related to health insurance exchanges, the individual mandate, employer penalties, and dependent coverage requirements. It explains that the ACA requires states to establish health insurance exchanges by 2014 to offer qualified health plans. It also outlines the individual mandate requiring most individuals to have minimum essential health coverage beginning in 2014, and penalties for employers not offering coverage. The ACA extends dependent coverage to age 26.
News Flash October 27 2014 Transitional Reinsurance Fee Counts Due By Nove...Annette Wright, GBA, GBDS
The document summarizes the requirements for transitional reinsurance fees established by the Affordable Care Act. Employers with self-insured health plans must submit enrollment counts and payment by November 17, 2014. They can pay the full 2014 fee by January 15, 2015 or pay in two installments. Late payments will incur interest and penalties. The document provides details on calculating enrollment counts, submitting forms through Pay.gov, and the penalty process for late payments.
The document discusses updates on the Department of Labor's overtime rule and provides a summary of the 2016 Kaiser Health Benefits survey. It notes that a federal judge halted the DOL overtime rule in November 2016 that would have increased the salary threshold for exempt employees. With the rule on hold, employers do not need to raise salaries yet but the DOL has appealed the decision. The summary also outlines key findings from the Kaiser survey such as rising premium and deductible costs and the types of health plans most common among employers.
If the employer mandate is repealed, many ALEs will likely want to modify their plan designs to go back to pre-ACA eligibility rules. Employers may also consider increasing the amount that employees are required to contribute for group health plan coverage.
Legislative Webinar - September 17, 2010BenefitMall
This document summarizes various provisions of the Affordable Care Act (PPACA) related to wellness and prevention initiatives, 2010 PPACA provisions, health insurance exchanges, and over-the-counter drug reimbursements and mini-med plans. It outlines key elements of wellness programs including elimination of copays for preventive care, employee wellness discounts, requirements for break time and space for nursing mothers, nutritional labeling requirements, and small business grants for wellness programs. It also summarizes many 2010 PPACA provisions such as prohibiting pre-existing condition exclusions, establishing health insurance exchanges, and ending annual and lifetime spending caps.
On Friday, August 6, 2010, BenefitMall hosted a Healthcare Reform Webinar. During the presentation, Sharon Alt covered Medical Loss Ratio, Dependant Coverage and Grandfathered Plans.
Start a Solid Business Plan with a Health FSAInfinisource
Budgeting and saving are two basic ingredients to a good financial plan. What is often overlooked during these financial discussions is an employer-provided benefit: Flexible Spending Accounts (FSAs). This is not only a good financial plan for employees, but also employers.
The document provides answers to frequently asked questions about the new US health care reform laws. Some key points:
- Major provisions of the laws will be phased in between 2010-2020, with many taking effect in 2014.
- Beginning in 2014, all citizens must have qualifying health insurance or pay a tax penalty.
- Starting in 2014, individuals and small businesses can purchase qualified coverage through state-based insurance exchanges.
- Employers with over 50 employees that do not offer coverage will face penalties starting in 2014.
- High-risk individuals unable to get coverage due to preexisting conditions will have access to a federal program until 2014.
- Preventive care must be covered without co
Health Reform Bulletin 116 | Year-End Wrap Up Dec. 29, 2015CBIZ, Inc.
The document summarizes new laws and guidance affecting the Affordable Care Act. Key points include:
- New laws delay several ACA taxes, including the "Cadillac tax" until 2020 and pause insurer fees and medical device taxes.
- IRS guidance provides details on employer shared responsibility rules, including affordability calculations and penalty amounts.
- Deadlines for reporting health coverage on Forms 1095-B and 1095-C were extended to March 31, 2016 for furnishing to individuals and May 31, 2016 for filing with the IRS.
Health Reform Bulletin 116 Year End Wrap Up 12-29-15Daniel Michels
The most recent CBIZ Health Reform Bulletin: Year-End Wrap Up (HRB 116). This issue includes specific information and guidance on:
1. Late breaking development, IRS delays new Affordable Care Act's (ACA) reporting and disclosure obligations!
2. On December 18, 2015 Consolidate Appropriations Act, 2016, and the Protecting Americans from Tax Hikes (PATH) Act of 2015 (H. R. 2029; now Public Law No. 114-113) were signed by the President, and amend several provisions of the Affordable Care Act.
3. The IRS Issued guidance relating to ACA implementation
4. Year-End Reminders
Health Reform - Additional IRS Approaches to the Cadillac Tax; Transitional R...CBIZ, Inc.
Guidance on:
1. Additional IRS Approaches to Cadillac Tax. On July 30, 2015, the IRS released a second pronouncement (IRS Notice 2015-52), which like the first, does not carry the weight of the law or regulation, but rather is an effort to test the waters to see how the law should be formulated. The new guidance expands the discussion with regard to identifying taxpayers liable for the excise tax, employer aggregation, allocation of the tax, payment of the applicable tax and determining the cost of applicable coverage.
2. Transitional Reinsurance Fee Process for 2015 Benefit Year. In preparation for reporting and paying the transitional reinsurance fees for the 2015 benefit year, the Centers for Medicare and Medicaid services released an overview of the process and procedures
3. State Innovation Waivers. The Affordable Care Act includes a provision that takes effect in 2017 which would allow a state to apply for an innovation waiver; pursuant to which the state could be relieved from certain aspects of the ACA.
4. Applicability of ACA’s Employer Shared Responsibility Provisions. On July 31, 2015, President Obama signed the Surface Transportation and Veterans Health Care Choice Improvement Act of 2015 (H.R. 3236); now Public Law 114-41). This law provides that for purposes of determining whether an employer is an applicable large employer with regard to employee enrollment in minimum essential health coverage under an eligible employer sponsored plan, individuals covered for medical care under TRICARE or the Veterans Administration are not counted. In addition, a recent lawsuit challenged the applicability of the ACA’s employer shared responsibility mandate to a Native American tribe.
Health Care Reform Legislative Brief
2013 Compliance Checklist
In light of the Supreme Court's June 28, 2012, decision to uphold the health care reform law, or Affordable Care Act (ACA), employers must continue to comply with ACA mandates that are currently in effect.
This document provides an overview and update on upcoming health care reform provisions taking effect in 2014. Key points include:
- Beginning in 2014, employer-sponsored plans must limit waiting periods to 90 days and annual out-of-pocket costs. Essential health benefits must also be covered.
- Health insurance exchanges will be available for individuals and small businesses to purchase coverage. Employers with 50+ employees face potential penalties if not offering affordable coverage.
- Annual limits and preexisting condition exclusions will be prohibited. Premium subsidies and an individual mandate also take effect. Small business tax credits are available.
- Wellness program incentives are increasing. Expanded Medicaid coverage was ruled unconstitutional but other provisions remain on track for 2014 implementation
This document provides an overview and agenda for a presentation on compliance outlook and regulations for health and welfare plan sponsors. The presentation covers recent regulatory developments in 2015, upcoming requirements and deadlines in 2016, and beyond. Key items that will be discussed include 2016 benefit limits, W-2 health cost reporting, PCORI and reinsurance fees, employer shared responsibility rules, and health coverage reporting requirements. The presentation aims to help employers understand past and future compliance obligations and steps to take to remain compliant.
The following Health Reform Checklist is intended to guide you through the general compliance requirements of
t he Affordable Care Act (ACA) as you prepare now for 2015 and beyond.
In general, these items apply to all employers.
May 2017 Summary of the American Health Care Act T.docxalfredacavx97
May 2017
Summary of the American Health Care Act
This summary describes key provisions of H.R. 1628, the American Health Care Act, as approved by the House
of Representatives on May 4, 2017, as a plan to repeal and replace the Affordable Care Act (ACA) through the
Fiscal Year 2017 budget reconciliation process.
American Health Care Act
H.R. 1628
Date plan
announced
March 6, 2017; passed by the House of Representatives on May 4, 2017
Overall
approach
Repeal ACA mandates (2016), standards for health plan actuarial values (2020),
and, premium and cost sharing subsidies (2020).
Modify ACA premium tax credits for 2018-2019 to increase amount for younger
adults and reduce for older adults; allow tax credits to apply to coverage sold outside
of exchanges and to catastrophic policies. In 2020, replace ACA income-based tax
credits with flat tax credits adjusted for age. Eligibility for new tax credits phases out
at income levels between $75,000 and $115,000
Retain private market rules, including requirement to guarantee issue coverage,
prohibition on pre-existing condition exclusions, requirement to extend dependent
coverage to age 26. Modify age rating limit to permit variation of 5:1, unless states
adopt different ratios, effective 2018. Retain essential health benefits requirement,
with state option to waive. Retain prohibition on health status rating with state
option to waive for individual market applicants who have not maintained continuous
coverage.
Retain health insurance marketplaces, annual Open Enrollment periods (OE), and
special enrollment periods (SEPs).
Impose late enrollment penalty for people who don’t stay continuously covered.
Establish Patient and State Stability Fund with federal funding of $115 billion over
9 years available to all states, and additional funding of $8 billion over 5 years for
states that elect community rating waivers. States may use funds to provide financial
help to high-risk individuals, promote access to preventive services, provide cost
sharing subsidies, and for other purposes. In 2020, $15 billion of funds shall be used
only for services related to maternity coverage and newborn care, and mental health
and substance use disorders. [For 2018-2026, a further $15 billion is allocated
through the fund for Federal Invisible Risk Sharing Program (reinsurance). This
program is established as part of the fund, though administered by CMS to make
payments directly to health insurers.] In states that don’t successfully apply for
grants, funds will be used for reinsurance program.
Repeal funding for Prevention and Public Health Fund at the end of Fiscal Year
2018 and rescind any unobligated funds remaining at the end of FY 2018. Provide
supplemental funding for community health centers of $422 million for FY 2017
Encourage use of Health Savings Accounts by increasing annual tax free
co.
Employers should ensure that their health FSA will not allow employees to make pre-tax contributions in excess of $2,650 for 2018, and they should communicate the new limit to their employees as part of the open enrollment process.
Compliance Overview - Employee Benefits Compliance Checklist for Large Employersntoscano50
Federal law imposes numerous requirements on the group health coverage that employers provide to their employees. Many federal compliance laws apply to all group health plans, regardless of the size of the sponsoring employer. However, there are some additional requirements for large employers. For this purpose, a large employer is one with 50 or more employees.
Unlike smaller employers, large employers must comply with the Affordable Care Act’s (ACA) employer shared responsibility rules, the ACA’s Form W-2 reporting rules and the Family and Medical Leave Act’s (FMLA) requirements.
This Compliance Overview provides a checklist for employee benefit laws applicable to large employers.
De Pere Area Chamber Affordable Care Act Presentation, JP Wieski, Wisconsin OCICheryl Detrick
Presentation on the Affordable Care Act given by J.P. Wieski, Legislative Liaison/Public Information Officer from the Office of the Commissioner of Insurance, State of Wisconsin to De Pere Area Chamber of Commerce on 9/11/13.
Health Reform Bulletin 124 | Qualified Small Employer HRAs and Year-end Remin...CBIZ, Inc.
On December 13, 2016, President Obama signed the 21st Century Cures Act (H.R. 34). In part, this law re-establishes the ability of small employers, those not subject to the Affordable Care Act’s employer shared responsibility provisions, to provide their employees a stand-alone health reimbursement arrangement (HRA), known as a “qualified small employer HRA”.
Health Reform Bulletin 124 | Qualified Small Employer HRAs and Year-end Remin...CBIZ, Inc.
In December 13, 2016, President Obama signed the 21st Century Cures Act (H.R. 34). In part, this law re-establishes the ability of small employers, those not subject to the Affordable Care Act’s employer shared responsibility provisions, to provide their employees a stand-alone health reimbursement arrangement (HRA), known as a “qualified small employer HRA”.
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إضغ بين إيديكم من أقوى الملازم التي صممتها
ملزمة تشريح الجهاز الهيكلي (نظري 3)
💀💀💀💀💀💀💀💀💀💀
تتميز هذهِ الملزمة بعِدة مُميزات :
1- مُترجمة ترجمة تُناسب جميع المستويات
2- تحتوي على 78 رسم توضيحي لكل كلمة موجودة بالملزمة (لكل كلمة !!!!)
#فهم_ماكو_درخ
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واخيراً هذهِ الملزمة حلالٌ عليكم وإتمنى منكم إن تدعولي بالخير والصحة والعافية فقط
كل التوفيق زملائي وزميلاتي ، زميلكم محمد الذهبي 💊💊
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Health Care Reform -- 2016 Compliance Checklist
1. Brought to you by SterlingRisk
1
2016 Compliance Checklist
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was
enacted over four years ago. Many of these key reforms became effective in 2014 and 2015, including health plan
design changes, increased wellness program incentives and the employer shared responsibility penalties.
Additional reforms take effect in 2016 for employers sponsoring group health plans. To prepare for 2016, employers
should review upcoming requirements and develop a compliance strategy.
This Legislative Brief provides a health care reform compliance checklist for 2016. Please contact SterlingRisk for
assistance or if you have questions about changes that were required in previous years.
PLAN DESIGN CHANGES
Grandfathered Plan Status
A grandfathered plan is one that was already in existence when the ACA was enacted on March 23, 2010. If you make
certain changes to your plan that go beyond permitted guidelines, your plan is no longer grandfathered. Contact
SterlingRisk if you have questions about changes you have made, or are considering making, to your plan.
Cost-sharing Limits
Effective for plan years beginning on or after Jan. 1, 2014, non-grandfathered health plans are subject to limits on
cost-sharing for essential health benefits (EHB). The ACA’s overall annual limit (or an out-of-pocket maximum) applies
for all non-grandfathered group health plans, including self-insured health plans and insured plans.
Under the ACA, a health plan’s out-of-pocket maximum for EHB may not exceed $6,850 for self-only coverage and
$13,700 for family coverage, effective for plan years beginning on or after Jan. 1, 2016.
Review your plan’s grandfathered status:
□ If you have a grandfathered plan, determine whether it will maintain its grandfathered status for the 2016
plan year. Grandfathered plans are exempt from some of the ACA’s mandates. A grandfathered plan’s
status will affect its compliance obligations from year to year.
□ If your plan will lose its grandfathered status for 2016, confirm that the plan has all of the additional
patient rights and benefits required by the ACA for non-grandfathered plans. This includes, for example,
coverage of preventive care without cost-sharing requirements.
□ If your plan will keep grandfathered status, continue to provide the Notice of Grandfathered Status in any
plan materials provided to participants and beneficiaries that describe the benefits provided under the plan
(such as the plan’s summary plan description and open enrollment materials). Model language is available.