PEOs Offer Businesses Insurance Lifeline With Master Health Plans

Posted by Employer Flexible on October 27, 2020

When it comes to the beneficial services professional employer organizations (PEO) can offer your small and medium-sized business, outsourcing tasks like payroll management, tax reporting, and employee relations naturally comes to mind.

PEOs are also offering business owners an insurance lifeline by providing cost-effective and comprehensive healthcare coverage solutions through the offering of Master Health Plans.

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Topics: Affordable Care Act, Employee Benefits

Supreme Court strikes down ACA — what effect does this have on small business?

Posted by Employer Flexible on January 18, 2019

After years of talk and speculation, District Judge Reed O’Connor of Texas may have just struck down the Affordable Care Act (ACA) with a single decision. As a small-business owner, you are undoubtedly wondering how this will impact your company and its bottom line as a result. With the potential for appeals and delays in applying the ruling if it sticks, there is nothing to worry about quite yet. To prepare for any upcoming changes, however, it makes sense to explore this ruling and its potential impacts on small businesses.

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Topics: Affordable Care Act

White House Announces Some ACA Subsidies Will End

Posted by Employer Flexible on October 16, 2017

On Oct. 12, 2017, the White House announced that it will no longer reimburse insurers for cost-sharing reductions made available to low-income individuals through the Exchanges under the Affordable Care Act (ACA), effective immediately. Because Congress did not pass an appropriation for this expense, the Trump administration has taken the position that it cannot lawfully make the cost-sharing reduction payments.

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Topics: Affordable Care Act, ACA Compliance

House Republicans Pass Amended AHCA

Posted by Employer Flexible on August 14, 2017

On May 4, 2017, members of the U.S. House of Representatives voted 217-213 to pass the American Health Care Act (AHCA), after it had been amended several times. The AHCA is the proposed legislation to repeal and replace the Affordable Care Act (ACA).

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Topics: Affordable Care Act

Future of Certain ACA Taxes and Fees

Posted by Employer Flexible on August 14, 2017

Several steps have been taken in 2017 toward repealing the Affordable Care Act (ACA), including the introduction of the American Health Care Act (AHCA). Although the AHCA was withdrawn by Republicans, Congress may choose to pursue another ACA repeal and replacement bill in the future.

While the future of the ACA as a whole is currently unclear, some definitive changes have been made to some ACA taxes and fees for 2017.

  • Implementation of the Cadillac tax on high-cost group health coverage was delayed for two years, until 2020.

  • A moratorium applies for 2017 on the health insurance providers fee and the medical device excise tax.

  • The reinsurance fee expired after 2016.

Employers should be aware of the evolving applicability of existing ACA taxes and fees so that they know how the ACA affects their bottom lines. Employer Flexible will continue to keep you informed of changes.

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Topics: Affordable Care Act

House Committees Release ACA Replacement Bills

Posted by Employer Flexible on August 14, 2017

On March 6, 2017, Republican leadership in the U.S. House of Representatives issued two bills to repeal and replace the Affordable Care Act (ACA) through the budget reconciliation process. These bills, which were issued by the Ways and Means Committee and the Energy and Commerce Committee, are collectively known as the American Health Care Act.

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Topics: Affordable Care Act

The Individual Mandate

Posted by Employer Flexible on August 10, 2017

The Affordable Care Act (ACA) requires most individuals to obtain acceptable health insurance coverage for themselves and their family members or pay a penalty. This rule, which took effect in 2014, is often referred to as the “individual mandate.” Individuals may be eligible for an exemption from the penalty in certain circumstances. This Legislative Brief provides an overview of the ACA’s individual mandate.

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Topics: Affordable Care Act

Prescription Drug Trends

Posted by Employer Flexible on August 10, 2017

As prescription drug costs continue to increase, it is important for employers to understand the trends behind prescription drug costs and what they can do to better manage their health care expenses.

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Topics: Affordable Care Act, Continuous Learning

ACA: Individual Mandate Exemptions

Posted by Employer Flexible on August 10, 2017

One of the key components of the Affordable Care Act (ACA) is that everyone is required to obtain health coverage.

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Topics: Affordable Care Act, ACA Compliance

Health Care Reform: Contraceptive Coverage for Religious Employers

Posted by Employer Flexible on July 26, 2017

Under health care reform, non-grandfathered health plans must cover women's preventive care services, including contraception, without charging a co-pay or deductible. This rule is effective as soon as August 2012 for some plans. 

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Topics: Affordable Care Act