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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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159639index.aspxGuidance 2010 Fringe Benefit Survey Series - Healthcare Insurance Practices  National
159524index.aspxGuidance 2010 Healthcare Insurance Practices Survey Results (for Nonsubscribers)  National
159529index.aspxGuidance 2010 Healthcare Practices Survey Results (Summary)  National
160070index.aspxQuestions & 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
167164index.aspxGuidance Affordable Care Act: 2013 in Detail  National
167165index.aspxGuidance Affordable Care Act: 2014 in Detail  National
167521news.aspxNews Are you going to ‘play or pay’? BLR’s guide is here to help  National
167418news.aspxNews Are you ready for the ACA play or pay mandate?  National
167364surveys.aspxSurveys Benefits: Health Insurance Survey Data - 2013  National
160076index.aspxQuestions & Answers Can we charge employees extra for coverage of adult children up to age 26?  National
160147index.aspxQuestions & Answers Can we reduce healthcare benefits of employees who, although eligible for medicare, preferred to keep the employer’s private healthcare insurance?  National
167233index.aspxQuestions & Answers Can you outline the impact of the Affordable Care Act on small businesses?  National
159904index.aspxQuestions & Answers Can you tell me the rules for management carveouts in healthcare reform?  National
154949index.aspxGuidance Company Continues to Foot the Bill for Rising Healthcare Premiums  National
160460tools.aspxChecklists Controlling Healthcare Costs Checklist  National
167494index.aspxWhite Papers Direct primary care: A way out of the healthcare mess?  National
166873index.aspxQuestions & Answers Do the health care reform's financial penalties for discrimination based on compensation levels apply to groups with under 50 employees?  National
166494index.aspxQuestions & Answers Does the federal law on coverage for dependents to age 26 apply to employees who have dependents on dental and vision plans?  National
160461tools.aspxChecklists Group Health Insurance Checklist  National
156270index.aspxQuestions & 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
160462tools.aspxChecklists Health Insurance Carrier Checklist  National
160463tools.aspxChecklists Health Insurance Cost Containment Checklist  National
156455index.aspxAnalysis Healthcare Insurance  National
159523surveys.aspxSurveys Healthcare Insurance Practices Survey Results - 2010  National
167166index.aspxGuidance Healthcare Reform Timeline: What Happens When  National
167066index.aspxQuestions & Answers I am looking for information regarding Employer Shared Responsibility. In particular, how will an employer know what their employees’ household income is?  National
159492index.aspxQuestions & 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
155274index.aspxQuestions & 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
160721index.aspxQuestions & 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
159447index.aspxQuestions & 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
155691index.aspxQuestions & 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
159406tools.aspxForms Model Employer CHIP Notice  National
155798index.aspxQuestions & Answers Regarding HSAs, does an employer have any fiduciary responsibility related to the investments that an employee might choose?  National
159486index.aspxGuidance Small Business Health Care Tax Credit Scenarios  National
159487index.aspxGuidance Small Business Health Care Tax Credit: 3 Simple Steps to See if You Qualify  National
159485index.aspxGuidance Small Business Health Care Tax Credit: Frequently Asked Questions  National
159574index.aspxQuestions & 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
160917index.aspxQuestions & 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
160058index.aspxQuestions & Answers Under healthcare reform, can a dependent maintain coverage under their parents' plan even if they are eligible for coverage with their employer?  National
159533index.aspxQuestions & 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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