Legal & Regulatory

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  • 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.


  • Brokers rack up ACA enrollments in Idaho

    May 1, 2014

    Despite a reliance on Healthcare.gov because their state-run exchange legislation was passed later than others, Idaho came out on top during open enrollment 2014 and the state has brokers to thank for a lot of it.


  • Employers eager for adviser guidance on ACA

    PODCAST | May 1, 2014

    Julie Stich, director of research for the International Foundation of Employee Benefit Plans, outlines important legislation and guidance affecting employers in 2014 and discusses employer concerns that benefit advisers can help address.


  • Helping employers halt the Rx drug cost hemorrhage

    April 30, 2014

    Unbeknownst to your clients, prescription drugs are likely costing them a great deal. As their trusted adviser, here’s how you can help.


  • How Oregon’s exchange move could affect brokers

    April 29, 2014

    One thing is certain as Cover Oregon switches over to Healthcare.gov, more work for brokers.


  • Broker associations contest HHS navigator regulations

    April 28, 2014

    While benefit brokers applaud HHS efforts to hold ACA exchange navigators to licensing and certification standards, many worry federal regulation will undermine state efforts already in place.


  • Heartbleed causes heartache for Healthcare.gov users

    April 25, 2014

    CMS has reset all Healthcare.gov user passwords in response to the Heartbleed internet security bug, causing frustration for consumers and brokers, alike.


  • Help employers understand the ACA’s limited non-assessment periods

    April 25, 2014

    Benefit advisers should be familiar with certain grace periods when employers can avoid penalties.


  • Start your ACA reporting now, or at least start getting ready for it

    April 24, 2014

    Effective in 2015, the Affordable Care Act requires that employers report information about the health coverage they offer to employees. As you plan for ACA compliance, be reminded that you have this reporting obligation, not just to the Internal Revenue Service but to employees as well.


  • Is private exchange litigation only a matter of time?

    April 22, 2014

    While just over half of employers in a recent survey said it was very important for a private exchange to accept ERISA fiduciary responsibilities for the plans purchased on the exchange, the reality is employers cannot offload their fiduciary responsibility by moving to a private exchange, say legal experts.


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