Tag: ACA

Question:  Under the employer mandate, will employers that renew on 6/1/14 have to be compliant on 1/1/15, or can they wait until their first renewal in 2015 which would be 6/1/15? Answer: The Affordable Care Act’s “employer shared responsibility” provision (often referred to as the “employer mandate” or “play or pay”) originally was scheduled to take…

By Rick Montgomery, JD, Senior Legal Editor for ThinkHR Corporation On September 11, 2013, the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) posted a Frequently Asked Question (FAQ) stating that employers will not be fined for failing to provide, by October 1, 2013, written notices to their employees about the Health Insurance Marketplace,…

Question:  Are there any drawbacks to moving the effective renewal date of a group health plan in order to capitalize on additional savings before the “Community Rating” standards go into effect on 1/1/14? Answer:  Certain health insurers are offering “early renewals” (prior to 2014) suggesting that they can offer more attractive rates. The Affordable Care…

The following question recently came from one of our clients requesting our assistance to better understand and manage this issue. Question:  We would like clarification regarding the PCORI fees that are due July 31st.  What plan years apply to this year’s payment and how do we count the total amount due?  Answer: We have had a number…

The following question recently came from one of our clients requesting our assistance to better understand and manage this issue.   Question:  Our medical plan is self-funded and grandfathered. We have an employee who would like to add his 24 year old married daughter, son-in-law and granddaughter to our plan because they are losing health insurance. …

By Laura Kerekes, SPHR, Chief Knowledge Officer for ThinkHR Corporation Today the Supreme Court ruled, by a vote of 5 – 4 in a 77-page decision in the case of United States v. Windsor, that the federal Defense of Marriage Act that has defined “marriage” as a union between a man and a woman only…

Question: Can we charge an insurance premium surcharge for dependent children who are covered under our health plan who have coverage elsewhere? Answer: Federal law does not prohibit imposing a child surcharge. The Affordable Care Act requires group health plans that cover children of employee to extend eligibility to all children (natural, step, adopted, foster)…

Question: For a self-insured employer that offers medical coverage and an HRA as part of its plan, does the CER fee apply to both the medical insurance and the HRA separately (meaning they pay the fee twice?) or is it assessed against them as a single unit, meaning they pay the fee of just $1?…