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Healthcare Benefits
National Summary
What do employers need to consider regarding healthcare benefits? Healthcare benefits are an ever-increasing portion of employee compensation costs, but offering healthcare benefits to employees is often vital to recruiting and retaining the best employees. There are several different types of healthcare benefits plans that employers use to fulfill their organizations’ healthcare benefits goals.
While the Affordable Care Act (ACA) left much of the current employer-based system intact, the reforms have impacted every employer in the country. While there is still no federal law that requires employers to provide employees with healthcare insurance, employers with more than 50 employees that do not offer coverage or do not offer sufficient coverage will be subject to financial penalties. In addition, U.S. citizens and legal residents with few exceptions will be required to have qualifying health coverage beginning in 2014.
The drive to control the cost of healthcare benefits continues to cause employers to implement a variety of cost-cutting and cost-shifting strategies ranging from self-insurance and managed care to defined-contribution, or consumer-directed, health plans. For information on other requirements relating to healthcare benefits, Please see the national Health Care Insurance, national Health Information Privacy, national Health Insurance: Play or Pay?, and national Health Insurance Continuation/COBRA. sections.
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94197faqs.aspxQuestions & Answers -- Type Question Here --The company offers health care benefits and pays more than the required 50% currently for the employee rate. If they decide to reduce that percentage; are they required to let the employee know of that change within a certain tim 09/12/2013National
88223faqs.aspxQuestions & Answers An employee got married and wants to add her spouse to our healthcare plan. He has healthcare through his employer. Do we have to accept him onto our plan? 06/13/2011National
82552faqs.aspxQuestions & Answers Are employers required to provide health insurance benefits for seasonal workers? 06/21/2010National
82337faqs.aspxQuestions & Answers Can a company charge their employees for insurance per dependent? For example, if one employee has family coverage and only 2 kids, can we charge more for another employee that has family coverage and 6 kids? 05/20/2010National
81064faqs.aspxQuestions & Answers Can a company move its employees on one transit benefit plan to another without employee consent in order to prevent a stop in benefits? The rates are the same and the payments are taken from a company account. 10/22/2009National
87646faqs.aspxQuestions & Answers Can an employee use money in his HSA account members of his family (even if they are not participating in the HDHP/HSA)? 05/17/2011National
81096faqs.aspxQuestions & Answers Can an employer cancel medical benefits if an employee is placed on unpaid administrative leave when the medical benefits would begin? 10/28/2009National
80867faqs.aspxQuestions & Answers Can an employer make waiting periods for hea;th insurance differ in length, based on the employee's job title? 09/28/2009National
88213faqs.aspxQuestions & Answers Can independent contractor and employee hours be combined for an individual to qualify for health insurance? 06/09/2011National
80796faqs.aspxQuestions & Answers Can we change our policy on health benefits from covering those work at least 25 hours a week to cover only those who work at least 35 hours a week? 09/17/2009National
80791faqs.aspxQuestions & Answers Can we change the hours of work eligibility requirement for group health insurance? 09/17/2009National
83775faqs.aspxQuestions & Answers Can you explain the Waiver of Annual Limits Requirements of the PHS Act Section 711? Who can apply? What are the criteria for granting waivers? 11/19/2010National
92990faqs.aspxQuestions & Answers Do we have to offer benefits to a part-time employee who is working for us full time on a temporary basis? 01/22/2013National
80979faqs.aspxQuestions & Answers Do you have to reimburse yourself from your health savings plan in the same year you incurred the medical expenses or can you withdraw your amount for the last two years all at one time in the current year? 10/15/2009National
83689faqs.aspxQuestions & Answers Does the healthcare reform law prohibit a "spousal surcharge" if an employee's spouse is eligible for insurance through his/her own employer? 11/09/2010National
83690faqs.aspxQuestions & Answers Does the new healthcare reform law prohibit a "spousal surcharge" for coverage of an employee's spouse? 11/09/2010National
90364faqs.aspxQuestions & Answers Due to renewal increases, we have have to change deductibles, co-insurance, etc. Does this mean the plan will lose grandfathered status? 11/07/2011National
82196faqs.aspxQuestions & Answers hDo you have any info on the new health care bill allows employer with less than 26 employees and annual wages $50,000 to claim up to 35% tax credit? 04/29/2010National
82093faqs.aspxQuestions & Answers I would like to see if there is a 'calendar' listing of all benefit related deadlines. Like, what is due in each month. 04/15/2010National
86279faqs.aspxQuestions & Answers If an employee that is 24 years old and works full-time, are they eligible to stay on their parent’s health plan or do they have to take their employer’s plan? 03/17/2011National
92546faqs.aspxQuestions & Answers If an individual owns three separate companies with three separate tax ids and total more than 250 W2s filed in a year how is this handled in regards to PPACA. Also, would they be responsible for filing a 5500? 11/01/2012National
83351faqs.aspxQuestions & Answers If we make plan changes to the PPO that result in loss of Grandfather status, does that mean our HMO & HDHP PPO plan also lost Grandfathered status? 09/16/2010National
83964faqs.aspxQuestions & Answers Is it discriminatory for a holding company to provide different contribution schedules to the various entities? 12/13/2010National
88994faqs.aspxQuestions & Answers Is there a time period given with the new Healthcare Reform law from the time you have your annual physical to when you have routine blood work done? 07/27/2011National
82580faqs.aspxQuestions & Answers Our employees agreed to an increase from 0% to 40% for their healthcare premium contribution. If they agreed before March 23, 2010 does the plan keep its grandfathered status? 06/23/2010National
83354faqs.aspxQuestions & Answers Under healthcare reform, can a dependent maintain coverage under their parents' plan even if they are eligible for coverage with their employer? 09/16/2010National
82233faqs.aspxQuestions & Answers Under the new healthcare reform, what are the implications of losing "grandfathered status" for a group health plan? 05/07/2010National
87906faqs.aspxQuestions & Answers We are developing a self-funded HDHP/HSA option. Is it correct that once the out of pocket maximum is reached, the plan cannot charge copays? 05/25/2011National
81481faqs.aspxQuestions & Answers We have a high deductible health care plan with an HRA to cover the first $1000 on the $2500 deductible. Can we also have pretax payroll deductions for employees to set aside money in an HSA? 01/05/2010National
83516faqs.aspxQuestions & Answers We have a self funded plan and a fully insured plan. Can the group maintain grandfathered status on one plan and lose it on the other? 10/12/2010National
83759faqs.aspxQuestions & Answers We offer health benefits to part-time employees. Can we offer the same benifits if these employees are temporarily on furlough or reduced hours. 11/17/2010National
82384faqs.aspxQuestions & Answers What additional information on the CLASS portion of HCR do we know about regarding large self-funded groups? Will it be auto-enrollment and/or will waivers be accepted? Also, relative to large groups, will there be any incentives/credits, say for a 2 05/27/2010National
82287faqs.aspxQuestions & Answers What are the FSA limitations under the Obama Plan? Can it be offered only to exempt employees vs nonexempt employees due to the amount turn over in our sales force? 05/13/2010National
81152faqs.aspxQuestions & Answers What are the minimum hours an employee must work to qualify for health benefits in Connecticut and nationwide? 11/06/2009National
81440faqs.aspxQuestions & Answers With the new State Law related to allowing coverage for dependents to age 27, because we have just received guidance from our dental carrier, we will need to hold a special open enrollment to allow for employees to add dependents due to this or enrol 12/23/2009National
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