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Health Care Reform Compliance Tools

The Chamber continues to monitor the implementation of health care reform the Affordable Care Act (ACA) and its business requirements. We will provide information and links to assist our membership and the businescommunity in general to understand and comply with the many complex requirements. Information/links on this webpage are updated as new informationis available, so stay conected on health care reform through this site.


Open Enrollment is here, and it’s time to join the millions of Americans who have quality and affordable coverage from HealthCare.gov. Submit your application today. Don’t miss your chance to get covered -- sign up for a 2016 plan today! DEADLINE: December 15

Read the full press release here.

The report can be found here.

 

Preparing for 2016 ACA Implementation Requirements

Members of Congress from both parties, as well as some employers, insurers and state insurance commissioners, are calling for changes in the Affordable Care Act to prevent premium increases that are expected to affect workers at many small and midsize companies next year.

Lawmakers see the potential for a rare bipartisan agreement on the issue, after five years in which Republicans have repeatedly tried to repeal the law and Democrats have blocked their efforts.

At issue is a provision of the health care law that expands the definition of a “small employer” to include companies with 51 to 100 employees, subjecting them to stringent insurance regulation starting on Jan. 1. States have historically defined small employers as those with 50 or fewer employees.

Because many organizations with 51 to 100 employees will be reclassified as small employers, they will have to offer a package of “essential health benefits” specified by the health law — in some cases more generous than what they now offer. Insurers will no longer be allowed to set premiums for such groups based on their claims history, industry or size — factors now commonly considered.

Good News!

Small Businesses Get Break on Affordable Care Act Provision

The President signed into law a revised definition of “small employer” under the federal Patient Protection and Affordable Care Act.  Without the revision, firms with 51-100 employees would have been grouped with smaller businesses which, under the ACA, would have required them to offer health coverage to employees that included certain “essential” benefits beginning in 2016.  This would have most likely impacted them with higher premiums, 50 percent or higher in some cases, in part because they would be in a smaller risk pool.  Now most medium-size firms will be off the hook, although businesses with 2-50 employees must still comply with the regulation and individual states still have the authority to keep the broader definition.  Some small business owners will benefit, too, by providing flexibility to grow their business and add to their workforce.  The idea behind the original requirement was to assure that employees at smaller businesses had access to basic health coverage. Opposition to the regulations grew as the January 2016 start date neared.  The actual reality of running a day-to-day business with only limited staff, compared to the added administrative and financial burden of complying with the ACA requirements would have added stress to an already struggling sector.  The bill passed in Congress with strong bipartisan support.  Other ACA regulatory provisions such as the 2018 Cadillac tax on higher-cost benefit plans will, in fact, come under increasing scrutiny as their implementation nears.  

 

What to do about health reimbursement arrangements under the ACA

Market reform provisions in the Affordable Care Act prohibit most freestanding health reimbursement plans and employer payment health plans, and relief provisions recently expired. Here's what employers need to know about integrating such arrangements with group coverage to meet the law's requirements. Journal of Accountancy print issue (9/2015)

Your Medical Data: What You Need to Know Now

Consumer Reports created this new 16-page guide to help consumers understand how their medical records and data are being used to improve the delivery and quality of care.  The guide provides advice for how consumers can safely participate in the data revolution, while also taking appropriate steps to protect and secure their medical data from unauthorized disclosure. To read the guide, click here.

If you want to distribute hard copies of this guide to your employees, simply send an email to HealthImpact@cr.consumer.org to request FREE printed copies. You can visit www.ConsumerHealthChoices.org/GettingHealthCareRight to download this new guide as well as other FREE healthcare-related publications

The Affordable Care Act

 ACA Offers Strong Incentives for Employers to Continue to Offer Coverage

  • The cost of providing coverage is tax deductible by the employer. By contrast, employer shared responsibility payments are not deductible.
  • Employers that offer coverage have greater flexibility to tailor the coverage to provide those benefits most valued by their workforce and will enjoy competitive advantage in recruiting and retaining employees.
Health Care Changes WizardIn a few quick steps, this wizard can help you understand what you need to know about new insurance options and other health care changes as well as find health care related resources.

Informative Links: 

These links provide additional information in order to understand the changes that will result from new policies. Visit Healthcare.gov to learn about the law how small businesses can purchase more affordable health insurance.

 

Toolkits that provide insight to notice and disclosure requirements, plan design and coverage issues, wellness programs, health plan fees and employer obligations. (Provided by Stoudt Advisors)

IRS Affordable Care Act Information Topics

The link below contains information on the ACA covering a variety of topics. 

 

Disclaimer: All information on the GreaterReadingVoice website is intended to provide information and insight on the Affordable Care Act and its provisions. The information on this website or any publication of the Greater Reading Chamber of Commerce & Industry is educational in nature and may not include all recent legal, legislative or regulatory developments. Readers should consult with qualified legal counsel before acting on any provisions of the Affordable Care Act and the Greater Reading Chamber of Commerce & Industry accepts no responsibility or liability for any losses, damages and claims that may result from the use of health care information contained on this website or in any Greater Reading Chamber of Commerce & Industry publication.