Legal & Regulatory

  • How can employers get a jump on 2015’s ACA requirements?

    VIDEO | July 2, 2014

    Garrett Fenton, an employee benefits specialist with D.C.-based legal firm Miller & Chevalier, says that the time is right for employers to double down and get their paperwork processed in anticipation of 2015’s employer mandate for the Affordable Care Act.

  • Industry reacts to Hobby Lobby decision

    July 2, 2014

    Earlier this week, the Supreme Court ruled that, as applied to closely held corporations, Obamacare’s contraception mandate requiring employers to provide workers with no-cost access to contraception violates the Religious Freedom Restoration Act. Reaction to the case, Burwell v. Hobby Lobby Stores, Inc., was swift, although most legal experts believe it is not likely to have broad implications for the majority of employer-sponsored health care plans.

  • Most federal HIX inconsistencies went unresolved

    July 1, 2014

    A new HHS report finds most inconsistencies on the federally run state exchanges went unresolved due to inoperative systems.

  • IRS finalizes regulations for health insurance tax credits for small employers

    July 1, 2014

    The IRS has issued final regulations clarifying tax credits for small employers offering coverage to their employees through the SHOP exchange.

  • Auto-enrollment on ACA exchange won’t hurt brokers

    June 27, 2014

    The U.S. Department of Health and Human Services’ Thursday announcement that consumers already enrolled in marketplace plans in 2014 can auto-enroll for 2015 is largely positive for brokers, though the decision is symbolically unsettling to some.

  • Employers identify barriers to private exchange adoption

    June 26, 2014

    Although some employers are considering and even implementing a private exchange option for their employees, many remain skeptical of the immaturity of the marketplace and employee readiness.

  • Feds clarify employee orientation periods under the ACA

    June 25, 2014

    In a final rule published today, the U.S. Departments of Labor, Treasury and Health and Human Services say employers can require employee orientation periods to become eligible for health benefits, but say they cannot last longer than one month.

  • As ACA rollout continues, advisers should prepare for client tax questions

    June 23, 2014

    As the Affordable Care Act continues to necessitate the evolution of the benefit adviser’s role with individual and employer clients, knowing about the tax ramifications of the health law is a must.

  • Advisers poised to address consumer concerns with ACA premium hikes

    June 20, 2014

    Early health plan rate filings for 2015 signal premium rate hikes that could force individuals to consider switching plans. Confused consumers will be looking for help from benefit brokers and agents well-versed in plan options.

  • Why the ACA has opened a sales door for vision insurance

    June 20, 2014

    How the ACA has drawn attention to vision care coverage and prompted employers to ask advisers about this voluntary benefit.

  • FAQs about the ACA: Out-of-pockets and preventative care

    June 19, 2014

    Advisers working with employer clients on ACA compliance should pay close attention to the DOL’s recent updates on out-of-pocket limits and preventive service requirements.

  • Mass. repeals state pay-or-play regulations

    June 13, 2014

    The state of Massachusetts officially repealed the employer pay-or-play regulations that were part of its landmark 2006 health care reform law. Similar to the employer mandate in the Affordable Care Act, the state statute required employers of a certain size to either offer health care coverage to their employees or pay a fine.

  • DOL delays its proposal to expand fiduciary definition

    June 12, 2014

    Employee benefit advisers and employers will have to wait longer than anticipated for the DOL’s expanded definition of fiduciary, as the agency has delayed the issuance of its proposal until January 2015.

  • Open enrollment is all about ACA this year

    June 12, 2014

    Benefit brokers should be prepared to communicate ACA updates and answer questions both in-person and via new technology to reach employees.

  • Are we headed for a national ACA exchange?

    June 11, 2014

    With some state-run exchanges struggling, brokers and agents contemplate whether a national is possible and whether that would be a good or a bad thing for the insurance community.

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