Legal & Regulatory

  • More ACA insurers could help brokers enroll more consumers

    May 27, 2014

    Evidence shows that more insurers bring down premiums on the ACA exchanges, which could ease conversations benefit brokers have with the uninsured about affordability of coverage.

  • Wellness nondiscrimination rules challenge employers

    May 23, 2014

    Final regulations implementing the ACA’s nondiscrimination rules for wellness programs became effective in January, but many employers are still unclear about how the regulations have changed. The changes are subtle, but noncompliance can carry heavy penalties.

  • HHS eases stance on state authority over navigator regulation

    May 23, 2014

    After a backlash from the broker and agent community, final rules on this topic show some changes from the government agency.

  • Senators pledge support for agents and brokers to CMS

    May 21, 2014

    In follow-up to two broker-friendly bills introduced in late March, a group of five U.S. Democratic senators are asking the agency again for changes that will help ACA-certified agents better enroll consumers.

  • State marketplaces may give COBRA a run for its money

    May 20, 2014

    Mirroring a recent HHS initiative, some state-run marketplaces such as Covered California have extended a special enrollment period for COBRA-eligible individuals, allowing them to enroll in a marketplace exchange plan through July.

  • NAHU advocates for more special enrollment opportunities on exchanges

    May 16, 2014

    As the HHS adds more opportunities for consumers to obtain health coverage outside of open enrollment, the broker and agent association says it’s not enough.

  • Makeup of state-run exchanges vs FFM to change

    May 15, 2014

    The breakdown of states running their own health insurance exchanges versus those using the federally facilitated marketplace will change in due time – but exactly how it will change is still up in the air, said a speaker at Wednesday’s National Health Insurance Exchange Summit, held in Washington, D.C.

  • Employer mandate repeal won’t relinquish employers from ACA compliance

    May 13, 2014

    An increasingly discussed abandonment of the ever-delayed portion of the ACA would not eliminate your employer clients’ need to comply with the health law.

  • Scenario-planning: What may happen to the ACA after 2016

    May 9, 2014

    As insurance industry professionals, brokers are living with the ACA and tackling its compliance mandates and issues every day for clients. But what’s to come for the law after the next presidential election?

  • Take control of the controlled group issue

    May 8, 2014

    Knowing how many companies your client owns is critical to meeting ACA compliance. Here’s what you need to know about your clients that own more than one company under a controlled group.

  • Measuring leaves of absence in concert with the ACA

    May 7, 2014

    For every employee leave you must ensure that an orchestra of different people, laws, and systems play in perfect concert with each other. Not an easy task when you consider the following: trying to determine who and when employees are on leave, abiding by multiple, complex leave laws, and dealing with HRIS tracking shortcomings.

  • ACA effects on employers still to come

    May 6, 2014

    All of the delays related to the Affordable Care may be seen a sign of the law's failure, but one employment law expert said Monday employers can view the delays as a good thing – an extra year or more to figure out what to do.

  • Control groups and the ACA — you need to be cautious

    May 2, 2014

    This insurance rule, referring to the grouping of companies owned by the same person, hasn’t applied to medical coverage until now. One broker is concerned that benefit advisers and small business owners alike aren’t up to speed on this requirement and could be vulnerable to liabilities via penalties and lawsuits.

  • Number of HIX enrollees who paid first premium in dispute

    May 1, 2014

    How many individuals and families that selected a health plan in the federally facilitated health insurance marketplace have paid their first month’s premium? Depends on whom you ask.

  • House passes bill cutting this group of plans from the ACA

    May 1, 2014

    The U.S. House of Representatives passed a NAHU-backed bill exempting expatriate health plans from the ACA.

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