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The “Skinny” as a strategy…


As the implications of health care reform become more apparent, large employers are increasingly grappling with coverage options to avoid the penalties. Over the past few months, there has been considerably more attention paid to the problems faced by the staffing industry and similar employers as these temporary and variable hour employees are generally common law employees of the organization, and ultimately such companies are on the hook as it relates to offering health coverage. One option some employers are looking at is the offer of a “no minimum value plan” – this is a group health plan that provides medical care,
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The “Skinny” as a strategy…2014-02-20T20:58:23+00:00

Obama Administration Announces More Delays for Employer Mandate to 2016


The Obama administration announced today that it will extend the deadline for the implementation of the health care mandate for medium sized businesses to 2016. Employers with 50 - 99 workers are given a two year reprieve on offering health care to their full-time employees. Requirements for companies with 100 or more workers are reduced by 25%. Larger employer (over 100 employees) are also seeing their requirement to offer health care to their full-time employees reduced from 95% to 70%. The administration claims that stratifying the two phase-ins for businesses across America will ease the financial and administrative burdens for employers
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Obama Administration Announces More Delays for Employer Mandate to 20162014-02-11T20:59:34+00:00

Obamacare rules on equal coverage delayed: NY Times


WASHINGTON (Reuters) - The Obama administration is delaying enforcement of a provision of the new healthcare law that prohibits employers from providing better health benefits to top executives than to other employees, the New York Times reported on Saturday. Tax officials said they would not enforce the provision this year because they had yet to issue regulations for employers to follow, according to the Times. Internal Revenue Service spokesman Bruce Friedland said employers would not have to comply until the agency issued regulations or other guidance, the newspaper reported. The IRS was not immediately available to confirm the Times story. The
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Obamacare rules on equal coverage delayed: NY Times2014-01-20T19:42:28+00:00

Major Carriers Revise Payment Deadlines


A backlog of Obamacare customers attempting to make their first premium payment on new health exchange plans has prompted several major insurers to revise their original deadline of Jan. 10. Blue Cross Blue Shield operations in Texas and Illinois, along with three more BCBS plans that are part of the Health Care Service Corp, are now accepting premium payments through Jan. 30. So are all plans sold through, the insurer said, with retroactive coverage to Jan. 1 being issued to consumers in 26 states. Meanwhile WellPoint—the nation’s second-biggest insurer—is allowing consumers until Jan. 15 to make payments. Kristin Binns, a
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Major Carriers Revise Payment Deadlines2014-01-09T18:51:17+00:00

Covered CA Launches Self Service Website for Small Business – Press Release


  FOR IMMEDIATE RELEASE Media Line: (916)   205-8403 Dec. 2, 2013   COVERED CALIFORNIA LAUNCHES SELF-SERVICE WEBSITE FOR THE SMALL BUSINESS HEALTH OPTIONS PROGRAM Small Businesses Can Enroll for Coverage That Begins As Soon As January 1st LOS ANGELES, Calif. — Covered California™ today officially launched the full self-enrollment function of the Small Business Health Options (SHOP) online marketplace.  This significant new function on the Covered California website will enable small businesses to fully enroll for coverage that may begin as early as Jan. 1, 2014. “Small businesses now have new options to provide more choice for their employees and
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Covered CA Launches Self Service Website for Small Business – Press Release2013-12-03T01:59:40+00:00

Covered California Upholds Original Deadline – Press Release


Dear Colleagues and Interested Parties:   FOR IMMEDIATE RELEASE Media Line: (916) 205-8403 Nov. 21, 2013   COVERED CALIFORNIA UPHOLDS ORIGINAL DEADLINE FOR ENDING HEALTH PLANS THAT DON’T MEET LAW’S STANDARDS Strong Enrollment in New Health Insurance Marketplace a Factor in Decision SACRAMENTO, Calif. — As consumer enrollment continues to grow, the Covered California™ Board unanimously voted today to uphold its Dec. 31, 2013, deadline for health insurance companies to discontinue plans that don’t meet basic standards. The board cited that extending the deadline offers no benefit to the consumer and may create confusion about accessing affordable health care coverage through Covered California.  The
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Covered California Upholds Original Deadline – Press Release2013-11-21T15:48:33+00:00

Innovative ways through the ACA provisions for employers


Employers are continuing looking for solutions that help manage there businesses more efficiently and also navigate the provisions of the Affordable Care Act (ACA).  If it make sense, employers should consider looking at alternative funding options - like Self Funding or Level Premium programs. For those of you looking at these options, below are the provisions that do and don't apply. ACA Provisions That Do Apply: Minimum Value Plans Unlimited lifetime maximums Out of pocket & deductible limits Kids to age 26 Summary of Benefits and Coverages (SBC’s) 60-Day Notice of Material Modification 90-Day waiting period (exempt from California’s 60 Day)
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Innovative ways through the ACA provisions for employers2013-10-29T17:59:31+00:00

Exchange Model Notices – EMPLOYER ACTION REQUIRED!


On May 8, the U.S. Department of Labor issued employer notices regarding the Health Insurance Exchanges (Marketplaces). In a nutshell, employers have until October 1, 2013 to decide whether they will offer or not offer insurance coverage to their employees. Below are links to two forms: one for employers offering coverage and those which will not. The notice text must be used and there are penalties for not distributing them by October 1, 2013, the date open enrollment in the exchanges is set to begin. Model notice for employers who offer a health plan to some or all employees, available at
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Exchange Model Notices – EMPLOYER ACTION REQUIRED!2013-05-20T17:01:10+00:00

Covered California Takes A Major Step To Launching SHOP


COVERED CALIFORNIA TAKES MAJOR STEP TOWARD LAUNCHING NEW HEALTH CARE OPTIONS FOR SMALL BUSINESS Contract Awarded to Pinnacle Claims Management, Inc. to Administer Innovative, Affordable Marketplace Sacramento, Calif. -- The Covered California Board has approved Irvine-based Pinnacle Claims Management, Inc. (PCMI) to administer its Small Business Health Options Program (SHOP). The program will offer approximately 375,000 California small businesses unprecedented access to a considerable array of affordable health coverage options for its employees. California is one of a few states nationally that will be able to offer small businesses an array of health insurance options for their employees come this fall. 
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Covered California Takes A Major Step To Launching SHOP2013-05-17T16:59:53+00:00

Anyone, Anyone…Small Business Tax Credits??


What You Need to Know about the Small Business Health Care Tax Credit... How will the credit make a difference for you? For tax years 2010 through 2013, the maximum credit is 35 percent for small business employers and 25 percent for small tax-exempt employers such as charities. An enhanced version of the credit will be effective beginning Jan. 1, 2014. Additional information about the enhanced version will be added to as it becomes available. In general, on Jan. 1, 2014, the rate will increase to 50 percent and 35 percent, respectively. Here’s what this means for you. If you
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Anyone, Anyone…Small Business Tax Credits??2013-03-05T16:51:43+00:00
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