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Healthcare Insurance
National Summary
What do employers need to consider regarding healthcare benefits? The enactment of the Affordable Care Act (ACA) is the latest step in a continuing shift from virtually no federal regulation of employer-sponsored health insurance to extensive substantive and administrative requirements. This regulation initially included the reporting, and disclosure and claims procedure requirements enacted in the Employee Retirement Income Security Act (ERISA). Through the years, additional federal requirements were added, including portability and coverage guarantees, minimum maternity stays, mental health parity, required coverage of reconstructive surgery following a covered mastectomy, coverage of adoptees, and pediatric vaccine requirements. During the same period, there was a large increase in state insurance law benefit mandates.
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82307faqs.aspxQuestions & Answers How should restaurants start preparing for healthcare reform for their hourly, non-management staff? What are the options available to an employer? 05/17/2010National
82948faqs.aspxQuestions & Answers -Can you advise under the Healthcare Reform timeline if a person has prior coverage and is moving to another state, for example Connecticut, would this person be able to go onto an Individual plan effective for 9-1-10 if they have pre existing condit 07/22/2010National
82877state_comparison_charts.aspxGuidance 2010 Fringe Benefit Survey Series - Healthcare Insurance Practices  National
82205surveys.aspxSurveys 2010 Healthcare Insurance Practices Survey Results  National
82206state_comparison_charts.aspxGuidance 2010 Healthcare Insurance Practices Survey Results (for Nonsubscribers)  National
82217state_comparison_charts.aspxGuidance 2010 Healthcare Practices Survey Results (Summary)  National
93067surveys.aspxSurveys 2013 Health Insurance Survey Data  National
93066surveys.aspxSurveys 2013 Health Insurance Survey Summary  National
94933surveys.aspxSurveys 2014 Health & Related Insurance Benefits Survey  National
83962faqs.aspxQuestions & Answers A plan has grandfathered status and excluded a dependent who is under the age of 26. If they change plans in January, do they lose grandfathered status? 12/10/2010National
92183state_comparison_charts.aspxGuidance Affordable Care Act: 2013 in Detail  National
92184state_comparison_charts.aspxGuidance Affordable Care Act: 2014 in Detail  National
76910training.aspxAudio Presentations Affordable Care Act: What You Need to Know (Audio)  National
15986training.aspxQuizzes Affordable Care Act: What You Need to Know (Quiz 1)  National
89257training.aspxQuizzes Affordable Care Act: What You Need to Know (Quiz 2)  National
81250faqs.aspxQuestions & Answers An employee is considering leaving her job with our company. When she leaves, can the company demand 6 months worth of HSA deposits made to her account by the employer? 11/19/2009National
85505faqs.aspxQuestions & Answers Are hearing aids typically covered under group health insurance? Does BLR have survey data on health insurance plans? 02/14/2011National
81850faqs.aspxQuestions & Answers Are there any laws in place, either federal or New York State, which require employers to inform their employees of plan design changes which they make at renewal? If the insurance company sends out new id cards, does that suffice? What are the 03/04/2010National
82227faqs.aspxQuestions & Answers Are unionized employees included when entering information in the tax credit calculator? 05/06/2010National
8556timesavers.aspxLetters Asking Insurers for Coverage Information  National
1100timesavers.aspxPolicies Bonus for Hospital Audit  National
88122faqs.aspxQuestions & Answers Can a company legally charge employees a prorated rate for the month's insurance premium if employment terminates early in the month? 06/06/2011National
83419faqs.aspxQuestions & Answers Can an employee's adult child be covered on employee's health plan if the child lives in his own home and files his own income taxes? 09/27/2010National
82172faqs.aspxQuestions & Answers Can we charge different rates for group medical coverage based on an employee's sex? 04/27/2010National
83429faqs.aspxQuestions & Answers Can we charge employees extra for coverage of adult children up to age 26? 09/28/2010National
82570faqs.aspxQuestions & Answers Can we have an executive reimbursement plan that is available to top management only? 06/22/2010National
85774faqs.aspxQuestions & Answers Can we offer health insurance benefits to management-level employees only? 02/28/2011National
85513faqs.aspxQuestions & Answers Can we pay the full family health insurance premium for employees with professional degrees and single premium amount for other employees? 02/15/2011National
81983faqs.aspxQuestions & Answers Can we restrict our health care enrollment to employees who don't have any other coverage available (e.g., through spouse's employer)? 03/29/2010National
87058faqs.aspxQuestions & Answers Can we run an HDHP/HSA plan on a plan year instead of a calendar year? How does that affect employee contributions if we start midyear? 04/19/2011National
82089faqs.aspxQuestions & Answers Can we send the required CHIP notice electronically through email or are we required to send to each employee's home address? 04/14/2010National
92424faqs.aspxQuestions & Answers Can you outline the impact of the Affordable Care Act on small businesses? 10/11/2012National
82498faqs.aspxQuestions & Answers Can you tell me about a flat dollar contribution versus a percentage for employees in a qualified health plan? Also, are family members counted as employees for the small employer credit? 06/15/2010National
83060faqs.aspxQuestions & Answers Can you tell me the rules for management carveouts in health care reform? 08/04/2010National
16403timesavers.aspxPolicies Company Insurance Plans (Progressive)  National
16404timesavers.aspxPolicies Company Insurance Plans (Standard I)  National
82228faqs.aspxQuestions & Answers Do self insured companies have to abide by the dependent coverage to age 26 law signed by President Obama after the Sept 23, 2010 date? 05/06/2010National
84677faqs.aspxQuestions & Answers Do we have to offer coverage to an employee's under age 26 child who lost his job but has been offered COBRA? 01/11/2011National
82029faqs.aspxQuestions & Answers Do you have a "sample notice" for the CHIPRA that an employer could pass out to their employees? 04/07/2010National
84430faqs.aspxQuestions & Answers Does eligibility of a dependent under the age of 26 change if he or she is married, living out of state, or employed? 01/03/2011National
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