The Supreme Court upheld the constitutionality of the Patient Protection and Affordable Care Act in a 5-4 decision. The Court ruled that the individual mandate is a tax that Congress has the authority to impose. It limited but did not invalidate the pieces that expand Medicaid. The decision means that key components of the healthcare reform law can move forward including individual and employer responsibilities, health insurance exchanges, insurance market reforms, and quality improvements.
What Changes to Expect from the new Healthcare Law, presented by The National Federation of Independent Business, the leading small business association.
What Changes to Expect from the new Healthcare Law, presented by The National Federation of Independent Business, the leading small business association.
This gives a good base knowledge of where the current insurance industry is, a timeline of when certain mandates go into effect and a simplified description of the mandats being launched on Sept 23, 2010.
Obamacare in Pictures: Visualizing the Effects of the Patient Protection and ...The Heritage Foundation
“Obamacare in Pictures: Visualizing the Effects of the Patient Protection and Affordable Care Act” shows in detail the impact of the sweeping health care law for Americans.
Presentation delivered by Tom Gibney, SVP & Chief Financial Officer, St. Luke's Cornwall Hospital at the marcus evans National Healthcare CFO Summit Fall 2019 in San Diego CA.
Learn how you can successfully navigate the Affordable Care Act, "Obama Care".
This easy to read outline will benefit your family and business.
Call (816-224-9466) for more information today.
This presentation covers national legislative update and state updates specific to employers headquartered in Oregon, Washington, and Montanta. Additionally, we will address recent events including the potential impact of the new tax plan on employee benefits, EEOC wellness rules updates and updates to the ACA.
For further information, please contact The Partners Group:
https://www.tpgrp.com/contact-partner...
For over 35 years The Partners Group has been serving the financial and insurance needs of employers, medical professionals, and successful individuals with services including employee benefits and business consulting, retirement planning, investment services, commercial and individual insurance. We have built our business from the ground up to ensure we are a thriving organization for the next 35 years. Although we have developed a national network and reputation, you can count on our local commitment and service. We deliver through the hard work of over 140 teammates, who tirelessly provide results greater than the sum of our parts. The Partners Group has offices in Portland, Lake Oswego, and Bend OR; Bellevue, WA; and Bozeman, MT. https://www.tpgrp.com
Subscribe to our email list for additional helpful tips:
https://www.tpgrp.com/subscribe/
Did you have time to read the 1,990 page healthcare bill that was recently passed through Congress? Have you since wondered about the impact that massive bill will have on the average American, health insurance providers, business owners and YOU? If yes, then join the Young Professionals of Chicago as we host a panel of diverse health care professionals that will be discussing current healthcare reform and taking questions on the impact of the United States' new healthcare policy. The distinguished panelists will also provide some insight and clarity into what this massive bill means for individuals like you. There will also be an opportunity for open networking with other young professionals before and after the discussion.
The presentation from the July 2 Rally for Freedom hosted by TCCRI in Plano, featuring Attorney General Greg Abbott and conservative state legislators. This presentation was delivered by TCCRI Executive Director John Colyandro.
This gives a good base knowledge of where the current insurance industry is, a timeline of when certain mandates go into effect and a simplified description of the mandats being launched on Sept 23, 2010.
Obamacare in Pictures: Visualizing the Effects of the Patient Protection and ...The Heritage Foundation
“Obamacare in Pictures: Visualizing the Effects of the Patient Protection and Affordable Care Act” shows in detail the impact of the sweeping health care law for Americans.
Presentation delivered by Tom Gibney, SVP & Chief Financial Officer, St. Luke's Cornwall Hospital at the marcus evans National Healthcare CFO Summit Fall 2019 in San Diego CA.
Learn how you can successfully navigate the Affordable Care Act, "Obama Care".
This easy to read outline will benefit your family and business.
Call (816-224-9466) for more information today.
This presentation covers national legislative update and state updates specific to employers headquartered in Oregon, Washington, and Montanta. Additionally, we will address recent events including the potential impact of the new tax plan on employee benefits, EEOC wellness rules updates and updates to the ACA.
For further information, please contact The Partners Group:
https://www.tpgrp.com/contact-partner...
For over 35 years The Partners Group has been serving the financial and insurance needs of employers, medical professionals, and successful individuals with services including employee benefits and business consulting, retirement planning, investment services, commercial and individual insurance. We have built our business from the ground up to ensure we are a thriving organization for the next 35 years. Although we have developed a national network and reputation, you can count on our local commitment and service. We deliver through the hard work of over 140 teammates, who tirelessly provide results greater than the sum of our parts. The Partners Group has offices in Portland, Lake Oswego, and Bend OR; Bellevue, WA; and Bozeman, MT. https://www.tpgrp.com
Subscribe to our email list for additional helpful tips:
https://www.tpgrp.com/subscribe/
Did you have time to read the 1,990 page healthcare bill that was recently passed through Congress? Have you since wondered about the impact that massive bill will have on the average American, health insurance providers, business owners and YOU? If yes, then join the Young Professionals of Chicago as we host a panel of diverse health care professionals that will be discussing current healthcare reform and taking questions on the impact of the United States' new healthcare policy. The distinguished panelists will also provide some insight and clarity into what this massive bill means for individuals like you. There will also be an opportunity for open networking with other young professionals before and after the discussion.
The presentation from the July 2 Rally for Freedom hosted by TCCRI in Plano, featuring Attorney General Greg Abbott and conservative state legislators. This presentation was delivered by TCCRI Executive Director John Colyandro.
Vision for a World Class Delhi, Jan2009Paromita Roy
What becoming a World Class City could mean for people of Delhi......
A world class Delhi is not about building bigger highways and flyovers, and continually "cleaning" the city's poor out of visibility of the rich.....
Being a World Class City could mean a win-win situation for all the inhabitants and decision makers of the city..... be it rich poor - young old - male female.... making it a truly democratic capital city.
How Does Obamacare Impact Your Business Planning?Tilson
The Supreme Court has upheld the PPACA and its implementation is full steam ahead. Now is the time to begin preparing for the impact on your business and your employees. Many have forgotten the complexity, decisions, and regulatory requirements of this legislation. As we all know, the devil is in the details.
Understanding Health Care Reform: A Dose of Accounting MedecineJames Moore & Co
The affordable Care Act was signed into law on March 23, 2010 and upheld by the Supreme Court in June 2012. These reform measures will have wide-spread impacts to most businesses and individuals. In this presentation, we discuss the tax consequences, small business health care credits, fees, and provide a summary of the Affordable Care Act and the status of reform.
Staffscapes, Inc. is a Human Resources Outsourcing firm that specializes in HR, Payroll & Benefits. We recently presented this slide show to a group of Colorado Small Business Owners and Managers and are sharing it with the general public today.
What Does Health Care Reform Mean for You? G&A Partners
Damon Thompson of G& A Partners examines the Patient Protection and Affordable Care Act (PPACA) that was signed into law on March 23, 2010.
G&A Partners is a comprehensive human resource outsourcing provider.
For more great HR webinars and training visit www.gnapartners.com.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Georgia small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
This webinar focused on what the new healthcare law, the Affordable Care Act, means for small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Florida small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
3. Individual and Employer Responsibilities
Medicaid and CHIP Expansion
Premium Subsidies for Lower Income
Health Insurance Exchanges
Insurance Market Reforms
Quality and Delivery System Reforms
4. In a 5 – 4 decision the Supreme Court upheld the
Constitutionality of the Patient Protection and
Affordable Care Act.
The Court ruled that the Individual Mandate is a tax
and that Congress therefore has the authority.
The Court limited, but did not invalidate, the pieces
that expand Medicaid.
5. "Our precedent demonstrates that Congress had the power to
impose the exaction in Section 5000A under the taxing
power, and that Section 5000A need not be read to do more than
impose a tax. This is sufficient to sustain it." The Court holds
that the mandate violates the Commerce Clause, but it becomes
irrelevant because five Justices find the mandate to be
constitutional under the taxing power.
On the Medicaid issue, the Medicaid expansion is
constitutional, but it is unconstitutional for the federal
government to withhold Medicaid funds for non-compliance with
the expansion provisions. "Nothing in our opinion precludes
Congress from offering funds under the ACA to expand the
availability of health care, and requiring that states accepting
such funds comply with the conditions on their use. What
Congress is not free to do is to penalize States that choose not
to participate in that new program by taking away their existing
Medicaid funding."
6. Michigan Attorney General
National Small Business Association
Vice President and General Counsel, David Burton
Small Business Association of Michigan
President and CEO, Rob Fowler
Vice President, Small Business Services, Scott Lyon
Clark Hill, PLC
Kristi Gauthier, Esq.
7. For Small Businesses and Individuals
Individual Mandate
Employer ―Mandate‖/Play or Pay
Individual Subsidies and Small Business Tax Credit
Health Insurance Exchanges
Expansion of Medicaid and CHIP
Dependent Coverage to age 26
Summary of Benefits and Coverage (not an SPD)
8. New Fees
Pharmaceutical Companies - $16 billion between now
and 2019 and then $2.8 billion/year thereafter
Insurance Carriers - $47.5 billion between 2014 and
2018 and then indexed to inflation
Medical Devices taxed at 2.9%
Changes to FSAs for over-the-counter drugs
Contributions to FSAs limited to $2,500
Medicare Part A tax increase for individuals earning
$200,000+ and couples earning $250,000+
Cadillac Tax - 2018
9. Insurance Carrier Related Changes
Loss ratios hold at 80% for individuals and 85% for small
businesses
Guarantee issue and renewability (no recession)
No lifetime limits
Modified community rating
―Precious Metals‖ - Platinum, Gold, etc. and Essential Benefits
Deductibles limited to - $2,000/$4,000
Waiting periods limited to 90 days
Children with medical conditions – No pre-ex
Preventive Services - Immunizations for children and cancer
screenings for women
No salary discrimination for eligibility
CO-OPs in market
10. Michigan Senate Passed - Still Needs Action in Michigan House
Orbitz for Health Insurance
Spreadsheet comparison of products from various insurers
Uniform enrollment
Assign a rating based upon relative quality and price to each
qualified health benefits plan
Inform individuals of eligibility requirements for the state's
Medicaid program, CHIP program and any applicable state or
local public program and screen and enroll eligible individuals
in these programs
Establish a navigator program
Assist qualified employers in facilitating the enrollment of
employees in small group qualified health benefits plans
11. Premium assistance based on Federal Poverty Level
(FPL)
◦ Those earning under 133% of FPL generally eligible
for Medicaid
◦ Premium assistance to those from 133% to 400% of
FPL
Cap on individual premium cost for 2nd-Lowest Cost
Silver Plan – 70-%/30%
In addition, those with lower incomes get better
benefits (Cost Sharing)
◦ 100-150% of FPL 70% value raised to 94%
◦ 150-200% of FPL 70% value raised to 87%
◦ 200-250% of FPL 70% value raised to 73%
12. Small Business Tax Credit (Part 2) – Tax credit equal
to 50% of the employer’s health insurance costs, if:
◦ 10 or fewer full-time equivalent employees
◦ Average annual wages of less that $25,000 (not including owner’s or
owner’s family member wages)
◦ Employer pays 50% or more of the premium
Companies with between 11 and 25 workers and an average
wage of less than $50,000 are eligible for partial credits
Credit only available for two years
Credit only available if small employer purchases coverage
from the SHOP Exchange
13. Individual Mandate - Requires all U.S. citizens and legal residents to have
qualifying health coverage or face a penalty/tax if they do not. Those under
FPL or those that do not file a tax return – no penalty
The percentage will be 1.0% in 2014, 2.0% in 2015, and 2.5% thereafter, or a
flat dollar amount assessed on each taxpayer and any dependents
(e.g., family)
The annual flat dollar amount phased in—$95 in 2014, $325 in 2015, and
$695 in 2016 and beyond (adjusted for inflation), assessed for each taxpayer
and any dependents.
The amount is reduced by one-half for dependents under the age of 18.
The total family penalty is capped at 300% of the annual flat dollar amount.
Percentage of the ―applicable income,‖ defined as the amount by which an individual’s household income exceeds the applicable filing threshold for the
applicable tax year. The filing threshold comprises the personal exemption amount (doubled for those married filing jointly) plus the standard deduction
amount.
14. Employer ―Mandate‖/Free Rider - Employers with more than 50 FTE must offer
either ―affordable‖ coverage or potentially be subject to a ―free rider‖ penalty
The Penalty
$2,000/FTE after the first 30 employees
The Calculation
Employees scheduled to work at least 30 hours per week in a typical
month, plus
For all those under 30 hours a week, the aggregate of all hours worked in a
typical month divided by 120, (do not include any seasonal employees that
work fewer than 120 days in the prior year).
Take the total number of full-time employees in Step 1 and add that to the
number of Full time equivalents that results from the calculation in Step 2
above.
If the number is 50 or below then there is no ―free-rider‖ penalty.
◦ Employers with more than 200 employees will be required to auto enroll employees into the
health plans offered.
15. In 2018
An excise tax on insurers or employer health
insurance plans with aggregate values that
exceed $10,200 for an individual and $27,500 for
a family takes effect.
Tax is indexed to the CPI-U beginning in 2020.
Cadillac Tax is 40% of the value above the
threshold.