ACA In the News

Federal Court Subsidies
On July 22, two federal appeals courts issued conflicting rulings on the availability of subsidies in states with federally-facilitated exchanges, or FFEs. Following these rulings, the Obama administration indicated that federal subsidies will continue to be available to eligible individuals in all states, including those (like Florida) with FFEs. This availability of subsidies may have significant implications for employers as a result of the ACA’s employer mandate.

Contraceptive Mandate
On June 30, 2014, the U.S. Supreme Court issued its ruling in two related cases challenging the Affordable Care Act’s (ACA) contraceptive coverage mandate. This ACA in the News dives deeper into the required coverage and outlines the impact of the Supreme Court ruling. 

Pay or Play – When to Begin Tracking Hours
To prepare for compliance, employers that intend to use the look-back measurement method for determining full-time status for 2015 will need to begin tracking their employees’ hours of service in 2014 to have corresponding stability periods for 2015. 

COBRA Administration
On May 2nd the Department of Labor (DOL) and Health and Human Services (HHS) released several pieces of guidance regarding COBRA, which clarify the impact of the ACA’s Exchanges.This ACA in the News provides an outline of these updates.

Wellness Programs
The ACA recognizes two broad categories of wellness programs: Participatory and Health Contingent. This ACA in the News outlines the two types of wellness programs and provides examples of how employers can impact employee premiums based on wellness participation.

Individual Mandate
Beginning in 2014, the ACA requires most individuals to obtain acceptable health insurance coverage for themselves and their family members or pay a penalty. This rule is often referred to as the “individual mandate,” or the “Individual Shared Responsibility Provision.” This ACA in the News discusses the rules of the individual mandate, including minimum essential coverage, the penalty, transition relief and exemptions.  

90-Day Waiting Period
On February 20, 2014, the Department of Labor (DOL), Health and Human Services (HHS) and the Treasury (the Departments) released final regulations on the 90-day waiting period limit. These regulations generally finalize provisions in proposed rules issued in March 2013, with minimal changes. This ACA in the News gives a brief overview of the 90-day waiting period limitation, including eligibility conditions.

Employer Mandate Delayed Again
The government has announced that employers with fewer than 100 workers will not have to provide health insurance until 2016 under Obamacare, as the administration has again delayed a key requirement of the health law. This ACA in the News gives a brief overview of the Employer Mandate delay and its impact to employers, as well as reminds employees of their obligations under the individual mandate.

Consumer Resources
Understanding Healthcare Reform is challenging for many, especially when the law has continued to evolve and the many perspectives of media can occasionally be skewed. Aside from the carriers and insurance brokers, there are several reliable resources available for individuals to learn more about how the impact of ACA. This ACA in the News highlights one of our favorites.

Preventative Care Guidelines
To make preventive care more accessible and affordable, the Affordable Care Act (ACA) requires non-grandfathered health plans and issuers to cover certain preventive care services without imposing any cost-sharing. This ACA in the News summarizes the recommended services and highlights those that recently became effective or will go into effect in the near future for health plans and issuers.

The ACA Timeline
If you think the Affordable Care Act (ACA) required countless changes to individual and employer plans, you are right. This ACA in the News gives a brief summary of the most meaningful changes by year of implementation.

What’s in an Exchange?
While the Affordable Care Act (ACA) established state and federal Exchange options for individuals and small employers, brokers and carriers can also provide an Exchange option, referred to as a Private Exchange. Although all options have the term “Exchange” associated with them, they operate very differently.

Which is Better – the Group Plan or the Marketplace?
If you think the Affordable Care Act (ACA) required countless changes to individual and employer plans, you are right. This ACA in the News gives a brief summary of the most meaningful changes by year of implementation.

Eligibility & Qualifying Events
In 2014, individuals will have additional opportunities to elect medical coverage for themselves and their dependents. This ACA in the News addresses the eligibility rules of the Group, Marketplace and Individual plans.

Insurance Policy Cancellations
In 2014, individuals will have additional opportunities to elect medical coverage for themselves and their dependents. This ACA in the News addresses the eligibility rules of the Group, Marketplace and Individual plans.