New Law Permits Individual Premium Reimbursement HRAs for Small Employers

A new law signed by President Obama restores the ability of small employers to reimburse employees for their individual health insurance premiums beginning January 1, 2017. The 21st Century Cures Act exempts qualified small employer health reimbursement arrangements from many of the Affordable Care Act’s (ACA) requirements. It also provides funding for medical research and […]

IRS Delays Form 1095 Distribution Deadline

For the second year, the IRS has pushed back a deadline relating to the distribution of Form 1095 to individuals. IRS Notice 2016-70 provides details about the delay. Deadline to Distribute Form 1095-B and Form 1095-C to Individuals Extended The original deadline for distributing Form 1095-B and Form 1095-C to individuals was January 31, 2017. […]

Three Takeaways for Group Health Plans from the Nondiscrimination Regulations

On May 18, 2016, the Office of Civil Rights (OCR) of the US Department of Health and Human Services (HHS) published final regulations implementing section 1557 of the Affordable Care Act (ACA). Section 1557 prohibits discrimination based on race, color, national origin, sex, or disability in health activities and programs that receive federal funding or […]

Managing Marketplace Notices: Action Required

Rumor has it that nearly 500,000 Marketplace Notices dated June 21, 2016 were sent to employers from the Department of Health and Human Services (HHS). If you haven’t received one already, count yourself lucky. Many employers began receiving these notices just before the July 4th holiday weekend. The notices are designed to inform an employer that an […]

GINA Final Rule Clarifies Employer Wellness Program Incentives for Spouses and Children

On Monday, May 16, the Equal Employment Opportunity Commission (EEOC) released its final rule to amend regulations under Title II of the Genetic Information Nondiscrimination Act of 2008 (GINA). This final rule provides guidance about the extent to which employers may offer a wellness program incentive to an employee for the employee’s spouse to provide […]

Final ADA Wellness Rules: 5 Important Changes for Employer Wellness Programs

On Monday, May 16, the Equal Employment Opportunity Commission (EEOC) released its final rule to amend regulations under Title I of the Americans with Disabilities Act (ADA). This final rule provides guidance about the extent to which employers may pay incentives or provide rewards to encourage employees to participate in a wellness program that involves […]

DOL Proposes New SBC Template for 2017

UPDATE: On April 6, 2016, the Department of Health and Human Services (HHS), DOL, and Department of the Treasury finalized the proposed SBC template, Uniform Glossary, and instructions. The Departments confirmed that plans and issuers shall use the final SBC template and associated resources beginning on the first day of the first open enrollment period […]

Congress Puts The Brakes On The Cadillac Tax

CADILLAC TAX DELAYED On Friday, December 18, 2015, President Obama signed into law a more than $1.5 trillion omnibus spending and tax extender package containing a two year delay of the forty percent excise tax on high cost health coverage, otherwise known as the Cadillac Tax. Although the Cadillac Tax was estimated to generate a […]

Employers Finalize Preparations for ACA Reporting

On September 16, 2015, the Internal Revenue Service (IRS) finalized the forms and instructions for compliance with the ACA’s new reporting requirements under Code 6055 and 6056, also known as Minimum Essential Coverage (MEC) reporting. Want to take a gander at the final forms and instructions? You can find them here: Form 1094-B Form 1095-B […]

What The Same-Sex Marriage Ruling Means For Health Plans

On Friday, June 26th, the Supreme Court of the United States issued a decision in Obergefell v. Hodges, holding that all 50 states must license marriages between two people of the same sex and must recognize a same-sex marriage lawfully licensed and performed out-of-state. The decision in Obergefell could have repercussions for both self-insured and […]

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