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Healthcare Benefits
National Summary
What do employers need to consider regarding healthcare benefits? Healthcare benefits are an ever-increasing portion of employee compensation costs, but offering healthcare benefits to employees is often vital to recruiting and retaining the best employees. There are several different types of healthcare benefits plans that employers use to fulfill their organizations’ healthcare benefits goals.
While the Affordable Care Act (ACA) left much of the current employer-based system intact, the reforms have affected nearly every employer in the country. While there is still no federal law that requires employers to provide employees with healthcare insurance, employers with more than 50 employees that do not offer coverage, or do not offer sufficient coverage, are subject to financial penalties. In addition, U.S. citizens and legal residents, with few exceptions, are required to have qualifying health coverage.
The drive to control the cost of healthcare benefits continues to cause employers to implement a variety of cost-cutting and cost-shifting strategies ranging from self-insurance and managed care to defined-contribution, or consumer-directed, health plans. For information on other requirements relating to healthcare benefits, Please see the national Health Care Insurance, national Health Information Privacy, national Health Insurance: Play or Pay?, and national Health Insurance Continuation/COBRA. sections.
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TypeTitleDateState
160956index.aspxQuestions & 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?  National
155768index.aspxQuestions & Answers Are there any states that prohibit pre-tax dollars from going into health savings accounts (HSAs)?  National
167363surveys.aspxSurveys Benefits: Health Insurance Survey Summary - 2013  National
160702index.aspxQuestions & Answers Can an employer charge a higher contribution to benefits for an employee who is adding a dependent that would have been ineligible for coverage before PPACA?  National
155888index.aspxQuestions & Answers Can employees change their contributions to a Health Savings Account at any time?  National
160722index.aspxQuestions & Answers Can employees pay for cafeteria plan benefits while on FMLA leave? Do we have to maintain all their benefits?  National
160172index.aspxQuestions & Answers Can you explain the Waiver of Annual Limits Requirements of the PHS Act Section 711? Who can apply? What are the criteria for granting waivers?  National
166763index.aspxQuestions & Answers Due to renewal increases, we have to change deductibles, co-insurance, etc. Does this mean the plan will lose grandfathered status?  National
156454index.aspxAnalysis Healthcare Benefits  National
154973index.aspxQuestions & Answers If a company is acquired by another company, does the acquiring company have an obligation to offer COBRA benefits to the COBRA participants from the former company?  National
156413index.aspxQuestions & Answers If an employee leaves employment and has a health savings account (HSA) is the employer legally obligated to fund it?  National
159535index.aspxQuestions & Answers Under the new healthcare reform, what are the implications of losing "grandfathered status" for a group health plan?  National
160098index.aspxQuestions & Answers We have a self funded plan and a fully insured plan. Can the group maintain grandfathered status on one plan and lose it on the other?  National
160164index.aspxQuestions & Answers We offer health benefits to part-time employees. Can we offer the same benifits if these employees are temporarily on furlough or reduced hours?  National
155054index.aspxQuestions & Answers What are the contribution requirements for Health Savings Accounts (HSAs)?  National
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