benefits legislation Archives - Employee Benefits I AP Benefit Advisors

ACA – Pay or Play Enforcement has arrived

As we reported in our 2nd Quarter Newsletter, the IRS has indicated it would notify applicable large employers (ALEs) in 2017 of their potential penalties for failing to comply with the employer shared responsibility mandate, for the 2015 calendar year.  With the numerous attempts this year to repeal or replace the ACA, ALEs may have […]

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Senate GOP’s Better Care Reconciliation Act – Updates

Senate Republicans released their health reform overhaul today after weeks of intrigue. The fight going forward is going to be over the reoriented subsidies and Medicaid. There is nothing explicit that allows states to waive out of anything new but the general waiver requirements process has been expanded. The greatly anticipated (and robustly debated) Senate […]

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The American Health Care Act Passes the House

On May 4, 2017, the House of Representatives narrowly passed the American Health Care Act (AHCA) by a vote of 217 to 213. This was a big step for House Republicans in fulfilling President Trump’s campaign promise to repeal the Affordable Care Act (ACA). The bill must also pass in the Senate for it to […]

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ACA Repeal & Replace – New House Bill Details

House Republicans just released the latest version of the ACA repeal and replace legislation.  The good news for many of our clients is that the Congress has listened to you and us as your brokers, consultants, agents and administrators.  Many of us didn’t see the wisdom in upsetting the employer-sponsored-healthcare market (150+ million Americans enjoy […]

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2016 Updated Healthcare Reform Timeline (Version 16)

If you want to see 10 pages of health reform in a 1 page timeline (well, 1 page for Employer and 1 page for Employees) then please visit our website (www.apbenefitadvisors.com/news).  But, if you are looking for details specific to just a certain year or plan, then you can’t do better than this implementation timeline […]

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DOL Issues Final SBC Template and Instructions

On Wednesday, April 6, 2016, the DOL (United States Department of Labor) issued final regulations on the new SBC (Summary of Benefits and Coverage) template and related documents, intended for use as of April 1, 2017. Final documents and a completed sample SBC are available on the DOL website, see the link below. PPACA (aka […]

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Cadillac Tax – Delayed Again

Chalk this up to – we all saw this coming, but had to prepare for it anyway.  You may recall that the so-called Cadillac Tax was due to hit all employers and plan sponsors as part of their 2014 renewals.  Many special interest groups, including big-labor pressed for a delay and the administration provided a […]

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5.66 Years Later – We Have Final Regs for PPACA’s 2010 Features – Departments Finalize Healthcare Reform Guidance

The Departments of Labor, Treasury and Health and Human Services (DOL, IRS, HHS) have jointly issued final regulations coverage a number of health care reform topic, many dating back to 2010’s initial implementation of the Affordable Care Act (PPACA). These include: Appeals and Review of Claims Dependent Coverage Designating a Primary Care Physician Emergency Care […]

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Preventive Items and Services – Final Rules Clarify Matters

The Affordable Care Act requires non-grandfathered group health plans to cover certain mandated preventive care services at no cost. On July 14, 2015, the Departments of Labor, the Treasury and Health & Human Services (the “Departments”) issued final regulations. These regulations are effective for plan years beginning on or after October 1, 2015. Background The […]

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