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Healthcare Insurance
National Summary
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 of 1974 (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. Additional federal laws impacting the administration of health insurance plans included the Age Discrimination in Employment Act, the Pregnancy Discrimination Act, the Americans with Disabilities Act, the Family and Medical Leave Act, the Genetic Information Nondiscrimination Act, the Mental Health Parity Act and the Mental Health Parity and Addiction Recovery Act, and the requirement for medical support orders. The ACA includes extensive requirements ranging from the elimination of annual and lifetime limits to coverage of adult children.
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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 condit07/22/2010National
82877state_comparison_charts.aspxGuidance Documents2010 Fringe Benefit Survey Series - Healthcare Insurance Practices National
82205surveys.aspxSurveys2010 Healthcare Insurance Practices Survey Results National
82206state_comparison_charts.aspxGuidance Documents2010 Healthcare Insurance Practices Survey Results (for Nonsubscribers) National
82217state_comparison_charts.aspxGuidance Documents2010 Healthcare Practices Survey Results (Summary) National
83962faqs.aspxQuestions & AnswersA 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
76910training.aspxAudio PresentationsAffordable Care Act: What You Need to Know (Audio) National
15986training.aspxQuizzesAffordable Care Act: What You Need to Know (Quiz 1) National
89257training.aspxQuizzesAffordable Care Act: What You Need to Know (Quiz 2) National
81250faqs.aspxQuestions & AnswersAn 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 & AnswersAre hearing aids typically covered under group health insurance? Does BLR have survey data on health insurance plans? 02/14/2011National
81850faqs.aspxQuestions & AnswersAre 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 & AnswersAre unionized employees included when entering information in the tax credit calculator? 05/06/2010National
8556timesavers.aspxLettersAsking Insurers for Coverage Information National
1100timesavers.aspxPoliciesBonus for Hospital Audit National
88122faqs.aspxQuestions & AnswersCan 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 & AnswersCan 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 & AnswersCan we charge different rates for group medical coverage based on an employee's sex?04/27/2010National
83429faqs.aspxQuestions & AnswersCan we charge employees extra for coverage of adult children up to age 26?09/28/2010National
82570faqs.aspxQuestions & AnswersCan we have an executive reimbursement plan that is available to top management only?06/22/2010National
85774faqs.aspxQuestions & AnswersCan we offer health insurance benefits to management-level employees only?02/28/2011National
85513faqs.aspxQuestions & AnswersCan 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 & AnswersCan 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 & AnswersCan 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 & AnswersCan we send the required CHIP notice electronically through email or are we required to send to each employee's home address?04/14/2010National
82498faqs.aspxQuestions & AnswersCan 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 & AnswersCan you tell me the rules for management carveouts in health care reform? 08/04/2010National
16403timesavers.aspxPoliciesCompany Insurance Plans (Progressive) National
16404timesavers.aspxPoliciesCompany Insurance Plans (Standard I) National
2727timesavers.aspxChecklistsControlling Healthcare Costs Checklist National
82228faqs.aspxQuestions & AnswersDo 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 & AnswersDo 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 & AnswersDo you have a "sample notice" for the CHIPRA that an employer could pass out to their employees?04/07/2010National
84430faqs.aspxQuestions & AnswersDoes 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
88224faqs.aspxQuestions & AnswersDoes the ADA require healthcare insurance to cover surgery for removal of excess skin following weight loss after gastric bypass surgery?06/13/2011National
89578faqs.aspxQuestions & AnswersDoes the federal law on coverage for dependents to age 26 apply to employees who have dependents on dental and vision plans?08/24/2011National
82404faqs.aspxQuestions & AnswersDoes the healthcare reform law require large employers to provide insurance? What about small employers?06/01/2010National
87938state_comparison_charts.aspxGuidance DocumentsFAQs About the Affordable Care Act Implementation Part I National
87813state_comparison_charts.aspxGuidance DocumentsFAQs About the Affordable Care Act Implementation Part II National
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