group benefits Archives - Page 2 of 4 - Employee Benefits I AP Benefit Advisors

Self-insured win partial PPACA fee exemption

From BenefitsPro.com Self-insured employers and self-administered health plans are about to catch a break, thanks to fine-tuning of the Patient Protection and Affordable Care Act by the Departmentof Health and Human Services. In a soon-to-be-published compendium of rule modifications, HHS says it will exempt certain self-insured employers from the second two years of paying the […]

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2013 Revised Healthcare Reform Timelines, Version 11

If you want to see 10 pages of health reform in a 1 page timeline (well, 1 page for Employers 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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PPACA-Obamacare Employer Mandate Pushed Back to 2015

The Employer Mandate portion of PPACA (“The Affordable Care Act”, aka Obamacare) has been pushed back to 2015.  The law’s Individual Mandate has not been pushed back, and neither have PPACA’s taxes and fees. The White House, on the evening of July 2, in a blog posting from Valerie Jarrett, senior advisor to the President, […]

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Final Wellness Rules Expand Protections and Incentives

For a background on the subject of HIPAA Wellness programs and how PPACA modified their offerings, please see our November 20, 2012 article called “DOL Wellness Program Guidance under PPACA” Recently, HHS, DOL and the IRS (Departments of Health and Human Services, Labor and the Treasury) issued final rules on employment-based wellness programs. The final […]

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Your OOPMax, Your PBM and Your Non-Grandfathered Health Plan

Your first plan year that begins on or after January 1, 2014 will be subject to cost-sharing limitations under PPACA.  All non-grandfathered plans, and by all we mean all self-insured and insured plans in the large-group market, will need to comply with annual out-of-pocket limits, referred to as OOPMaxes (Out-Of-Pocket Maximums).  (See, ER-Timeline, 2014, letter […]

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Employer Must Advertise the New Federal Exchanges – Model Notices Released

Last evening the US Department of Labor (“DOL”) released guidance regarding the notice you must provide to employees about the state exchanges (now being called “marketplaces”).  You may recall from our Healthcare Reform timelines (2013, letter “f”) that employers were scheduled to begin distributing these notices in March of 2013, but the DOL delayed the […]

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IRS Releases 2014 HSA Limits

Breaking news!   The Internal Revenue Service has just released the 2014 cost-of-living-adjusted HSA limits.  The following takes effect for calendar year 2014. Annual contribution limits $50 increase (EE Only): The annual limitation on deductions for an individual with employee-only coverage under a high deductible health plan (HDHP) is $3,300 — up $50 from 2013. $100 […]

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HHS Delays SHOP (Smallgroup Health Options Program) Exchange until 2015

The Obama administration, through the Department of Health and Human Services (HHS/CMS), announced that it will delay, until 2015, the offer of a choice of plans with health insurance marketplaces specifically for small businesses (defined in most states as employers with less than 50 full-time employees).  The transition policy, outlined in HHS’ latest guidance, would […]

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2013 Revised Healthcare Reform Timelines, Version 9.0

If you want to see 10 pages of health reform in a 1 page timeline (well, 1 page for Employers 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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