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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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159639
index.aspx
Guidance
2010 Fringe Benefit Survey Series - Healthcare Insurance Practices
National
159524
index.aspx
Guidance
2010 Healthcare Insurance Practices Survey Results (for Nonsubscribers)
National
159529
index.aspx
Guidance
2010 Healthcare Practices Survey Results (Summary)
National
160070
index.aspx
Questions & Answers
A group has two health plans, Plan A for the owner and Plan B for employees. At renewal, can the owner raise employee contributions for Plan B and make no changes to Plan A?
National
167164
index.aspx
Guidance
Affordable Care Act: 2013 in Detail
National
167165
index.aspx
Guidance
Affordable Care Act: 2014 in Detail
National
167521
news.aspx
News
Are you going to ‘play or pay’? BLR’s guide is here to help
National
167418
news.aspx
News
Are you ready for the ACA play or pay mandate?
National
167364
surveys.aspx
Surveys
Benefits: Health Insurance Survey Data - 2013
National
160076
index.aspx
Questions & Answers
Can we charge employees extra for coverage of adult children up to age 26?
National
160147
index.aspx
Questions & Answers
Can we reduce healthcare benefits of employees who, although eligible for medicare, preferred to keep the employer’s private healthcare insurance?
National
167233
index.aspx
Questions & Answers
Can you outline the impact of the Affordable Care Act on small businesses?
National
159904
index.aspx
Questions & Answers
Can you tell me the rules for management carveouts in healthcare reform?
National
154949
index.aspx
Guidance
Company Continues to Foot the Bill for Rising Healthcare Premiums
National
160460
tools.aspx
Checklists
Controlling Healthcare Costs Checklist
National
167494
index.aspx
White Papers
Direct primary care: A way out of the healthcare mess?
National
166873
index.aspx
Questions & Answers
Do the health care reform's financial penalties for discrimination based on compensation levels apply to groups with under 50 employees?
National
166494
index.aspx
Questions & Answers
Does the federal law on coverage for dependents to age 26 apply to employees who have dependents on dental and vision plans?
National
160461
tools.aspx
Checklists
Group Health Insurance Checklist
National
156270
index.aspx
Questions & Answers
Have you heard of companies offering different health insurance rates to smokers vs. non-smokers? We are looking at discounting the insurance rates for non-smokers by $25.00 per month. Could you give me some advice on writing a policy on this?
National
160462
tools.aspx
Checklists
Health Insurance Carrier Checklist
National
160463
tools.aspx
Checklists
Health Insurance Cost Containment Checklist
National
156455
index.aspx
Analysis
Healthcare Insurance
National
159523
surveys.aspx
Surveys
Healthcare Insurance Practices Survey Results - 2010
National
167166
index.aspx
Guidance
Healthcare Reform Timeline: What Happens When
National
167066
index.aspx
Questions & Answers
I am looking for information regarding Employer Shared Responsibility. In particular, how will an employer know what their employees’ household income is?
National
159492
index.aspx
Questions & Answers
I heard that in 2011 we will need to include on W-2’s the amount that the employer has paid for the employees health benefits. How long are we allowed to pre-tax health insurance?
National
155274
index.aspx
Questions & Answers
If an employee is on unpaid leave, is the employer obligated to continue paying for his health insurance by law. This employee is not on FMLA.
National
160721
index.aspx
Questions & 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?
National
159447
index.aspx
Questions & Answers
If an employer wishes to pay a flat amount towards group medical benefits, example $200 per employee, can an employee take that $200 and find his own inidividual policy instead? If so, can that $200 be treated as pre-tax?
National
155691
index.aspx
Questions & Answers
If you are an employer group with under 20 employees are there any issues with requiring smokers to pay more of their health premium than non-smokers?
National
159406
tools.aspx
Forms
Model Employer CHIP Notice
National
155798
index.aspx
Questions & Answers
Regarding HSAs, does an employer have any fiduciary responsibility related to the investments that an employee might choose?
National
159486
index.aspx
Guidance
Small Business Health Care Tax Credit Scenarios
National
159487
index.aspx
Guidance
Small Business Health Care Tax Credit: 3 Simple Steps to See if You Qualify
National
159485
index.aspx
Guidance
Small Business Health Care Tax Credit: Frequently Asked Questions
National
159574
index.aspx
Questions & Answers
The spouse of an employee recently lost his job after exhausting his FMLA. The employee wants to add him to her group policy. Can they deny him coverage?
National
160917
index.aspx
Questions & 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?
National
160058
index.aspx
Questions & Answers
Under healthcare reform, can a dependent maintain coverage under their parents' plan even if they are eligible for coverage with their employer?
National
159533
index.aspx
Questions & Answers
Under the new Healthcare Reform, dependents up to age 26 will be able to remain on their parents' health plan; does this apply to dental benefits too?
National
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