Posts Categorized: Affordable Care Act

Stopgap Funding Bill Contains Surprises

in Affordable Care Act, Health Benefits

The stopgap funding bill passed by Congress and signed by President Trump yesterday keeps the government open for another three weeks.  It also funds the Children’s Health Insurance Program (“CHIP”) for the next six years. At the same time, the bill also contains three key Affordable Care Act revisions, as follows – The “Cadillac Tax” is delayed another two years, and is now effective in 2022 (rather than 2020 as under prior law). The medical device tax, which was effective as of January 1, 2018, is now delayed until January 1, 2020. The health insurer fee is delayed through the… Continue Reading

Association Health Plans Will Profoundly Affect the Health Plan Marketplace

in Affordable Care Act, Health Benefits

A newly issued proposed rule significantly relaxes the Department of Labor requirements that currently limit the availability of association health plans (AHPs) and if finalized in its currently form will profoundly affect the health plan marketplace.  An AHP is a type of a multiple employer welfare arrangement (MEWA) which, with the proposed changes, would allow unrelated employers and certain self-employed individuals who are “working owners” to band together to purchase health coverage.  As a MEWA, the applicability of state laws depends on whether the MEWA is self-insured or fully insured, and on the laws of the particular state.  Also, as… Continue Reading

Updated SBC Templates Apply for 2018 Open Enrollment

in Affordable Care Act, Health Benefits

The new SBC templates released last year are required for open enrollment periods beginning on and after April 1, 2017.  For health plans and employers with calendar year plans, this means the updated SBC templates and related requirements apply to 2018 open enrollment occurring this Fall. Given the current House and Senate “repeal and replace” ACA legislation, many employers are wondering if they need to take the time to revise their SBCs to comply with the new template and requirements.  The short answer is use of the new SBC templates are still required.  Both the House-passed legislation and the current… Continue Reading

An Employer-Centric Summary of the American Health Care Act

in Affordable Care Act, Health Benefits

Updated on March 13, 2016 Unless you recently were stranded on an uninhabited island, or do not own a mobile phone, computer or television, you likely have not heard that the House released the Affordable Care Act repeal and replace bill. This new bill is referred to as the American Health Care Act (“AHCA”).  While there is much to discuss, at this point, we are only focusing on those provisions that affect employers.  Further, we know that this draft will not be the final legislation, and so overly debating its pros and cons is not practical at this point. In… Continue Reading