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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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170236index.aspxGuidance 1094-C and 1095-C and Employer Shared Responsibility Requirements: Prepare for Upcoming ACA Compliance Deadlines (2/2020)  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
167958surveys.aspxSurveys Benefits: Health Insurance - 2014  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
160460tools.aspxChecklists Controlling Healthcare Costs Checklist  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
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
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
155313index.aspxQuestions & Answers We are a small company that offers a contribution for our employees if they take the health insurance policy we offer. Are we legally bound to pay this contribution if they choose to take a different health insurance from the one the company uses?  National
167342index.aspxQuestions & 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?  National
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