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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) marks 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, 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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102255news.aspxHealthcare InsuranceNews Trump Executive Order Calls for Broader Use of AHPs, HRAs 11/09/2017National
102212news.aspxHealthcare InsuranceNews New Executive Order Seeks to Expand Insurance Options 10/12/2017National
102208news.aspxHealthcare InsuranceNews Trump Administration Expands Available ACA Exemptions for Employer-Provided Contraceptives 10/10/2017National
102121faqs.aspxHealthcare InsuranceQuestions & Answers Can you clarify mid-year election changes for marriage? 08/28/2017National
102118faqs.aspxHealthcare InsuranceQuestions & Answers Can you please explain the requirements for electronic distribution of SPDs? 08/28/2017National
101447faqs.aspxHealthcare InsuranceQuestions & Answers How to fill out line 16 on Form 1095-C for employee spouse? 12/19/2016National
98980faqs.aspxHealthcare InsuranceQuestions & Answers In determining if we are an "Applicable Large Employer" (ALE) for the ACA's 6056 reporting requirements, what rules do we apply? We have 3 separate offices with 3 separate tax IDs. 12/03/2015National
98614faqs.aspxHealthcare InsuranceQuestions & Answers Employers will need to do ACA reporting for this year, including forms 1094 & 1095. What options (e.g. software) does the employer have to for reporting? (Currently I use Quickbooks to submit my W2 forms.) 09/16/2015National
98571faqs.aspxHealthcare InsuranceQuestions & Answers Can we ask an employee to pay their monthly portion for their health insurance while they are on disability? 09/09/2015National
95773faqs.aspxHealthcare InsuranceQuestions & Answers How long does a temporary employee working 35 hours/week have to work before we're required to offer healthcare insurance? 08/07/2014National
95606faqs.aspxHealthcare InsuranceQuestions & Answers Can an employer pay the full premium for a Medicare Supplement Policy? 06/26/2014National
94197faqs.aspxHealthcare InsuranceQuestions & 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
92990faqs.aspxHealthcare InsuranceQuestions & 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
92955faqs.aspxHealthcare InsuranceQuestions & Answers Will there be an extension of the 3/1/13 deadline for employers to provide notice of the health insurance exchanges? Is there a sample notice? 01/15/2013National
92796faqs.aspxHealthcare InsuranceQuestions & Answers Does it violate nondiscrimination test if a self-insured health insurance plan has a shorter eligibility waiting period for salaried employees than hourly employees? 12/10/2012National
92577faqs.aspxHealthcare InsuranceQuestions & Answers For purposes of the play-or-pay requirement under the Affordable Care Act, are separate entities under common control aggregated when calculating the number of employees? 11/05/2012National
92546faqs.aspxHealthcare InsuranceQuestions & 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
92444faqs.aspxHealthcare InsuranceQuestions & Answers What are the penalties under the Affordable Care Act if an employer does not provide healthcare coverage to employees? 10/15/2012National
92424faqs.aspxHealthcare InsuranceQuestions & Answers Can you outline the impact of the Affordable Care Act on small businesses? 10/11/2012National
91718faqs.aspxHealthcare InsuranceQuestions & Answers I am looking for information regarding Employer Shared Responsibility. In particular, how will an employer know what their employees household income is? 06/05/2012National
90913faqs.aspxHealthcare InsuranceQuestions & Answers If an employee changes jobs from an employer with an FSA to an employer with an HSA, is the employee eligible to have an HSA? 02/07/2012National
90364faqs.aspxHealthcare InsuranceQuestions & 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
89971faqs.aspxHealthcare InsuranceQuestions & Answers If an employer defines eligiblity for health insurance as full time employment, what is the required number of hours that must be worked to qualify as "full time"? 09/22/2011National
89578faqs.aspxHealthcare InsuranceQuestions & Answers Does the federal law on coverage for dependents to age 26 apply to employees who have dependents on dental and vision plans? 08/24/2011National
88994faqs.aspxHealthcare InsuranceQuestions & 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
88223faqs.aspxHealthcare InsuranceQuestions & 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
88224faqs.aspxHealthcare InsuranceQuestions & Answers Does the ADA require healthcare insurance to cover surgery for removal of excess skin following weight loss after gastric bypass surgery? 06/13/2011National
88213faqs.aspxHealthcare InsuranceQuestions & Answers Can independent contractor and employee hours be combined for an individual to qualify for health insurance? 06/09/2011National
88122faqs.aspxHealthcare InsuranceQuestions & 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
87906faqs.aspxHealthcare InsuranceQuestions & 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
87666faqs.aspxHealthcare InsuranceQuestions & Answers Under ACA, dependent coverage must be offered to dependents up to age 26. Does this mean that an employee's step child would be eligible to enroll in our plan? 05/18/2011National
87646faqs.aspxHealthcare InsuranceQuestions & 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
87058faqs.aspxHealthcare InsuranceQuestions & 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
86279faqs.aspxHealthcare InsuranceQuestions & 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
85774faqs.aspxHealthcare InsuranceQuestions & Answers Can we offer health insurance benefits to management-level employees only? 02/28/2011National
85513faqs.aspxHealthcare InsuranceQuestions & 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
85505faqs.aspxHealthcare InsuranceQuestions & Answers Are hearing aids typically covered under group health insurance? Does BLR have survey data on health insurance plans? 02/14/2011National
84677faqs.aspxHealthcare InsuranceQuestions & 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
84430faqs.aspxHealthcare InsuranceQuestions & 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
84414faqs.aspxHealthcare InsuranceQuestions & Answers Is there a new regulation that limits the increase in health insurance premiums to 10%? 01/03/2011National
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