THE WHITE HOUSE Office of the Press Secretary FOR IMMEDIATE RELEASE October 12, 2017 EXECUTIVE ORDER - - - - - - - PROMOTING HEALTHCARE CHOICE AND COMPETITION ACROSS THE UNITED STATES By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered as follows: Section 1. Policy. (a) It shall be the policy of the executive branch, to the extent consistent with law, to facilitate the purchase of insurance across State lines and the development and operation of a healthcare system that provides high-quality care at affordable prices for the American people. The Patient Protection and Affordable Care Act (PPACA), however, has severely limited the choice of healthcare options available to many Americans and has produced large premium increases in many State individual markets for health insurance. The average exchange premium in the 39 States that are using www.healthcare.gov in 2017 is more than double the average overall individual market premium recorded in 2013. The PPACA has also largely failed to provide meaningful choice or competition between insurers, resulting in one-third of America's counties having only one insurer offering coverage on their applicable government-run exchange in 2017. (b) Among the myriad areas where current regulations limit choice and competition, my Administration will prioritize three areas for improvement in the near term: association health plans (AHPs), short-term, limited-duration insurance (STLDI), and health reimbursement arrangements (HRAs). (i) Large employers often are able to obtain better terms on health insurance for their employees than small employers because of their larger pools of insurable individuals across which they can spread risk and administrative costs. Expanding access to AHPs can help small businesses overcome this competitive disadvantage by allowing them to group together to self-insure or purchase large group health insurance. Expanding access to AHPs will also allow more small businesses to avoid many of the PPACA's costly requirements. Expanding access to AHPs would provide more affordable health insurance options to many Americans, including hourly wage earners, farmers, and the employees of small businesses and entrepreneurs that fuel economic growth. (ii) STLDI is exempt from the onerous and expensive insurance mandates and regulations included in title I of the PPACA. This can make it an appealing and affordable alternative to government-run exchanges for many people without coverage available to them through their workplaces. The previous administration took steps to restrict access to this market by reducing the allowable coverage period from less than 12 months to less than 3 months and by preventing any extensions selected by the policyholder beyond 3 months of total coverage. (iii) HRAs are tax-advantaged, account-based arrangements that employers can establish for employees to give employees more flexibility and choices regarding their healthcare. Expanding the flexibility and use of HRAs would provide many Americans, including employees who work at small businesses, with more options for financing their healthcare. (c) My Administration will also continue to focus on promoting competition in healthcare markets and limiting excessive consolidation throughout the healthcare system. To the extent consistent with law, government rules and guidelines affecting the United States healthcare system should: (i) expand the availability of and access to alternatives to expensive, mandate-laden PPACA insurance, including AHPs, STLDI, and HRAs; (ii) re-inject competition into healthcare markets by lowering barriers to entry, limiting excessive consolidation, and preventing abuses of market power; and (iii) improve access to and the quality of information that Americans need to make informed healthcare decisions, including data about healthcare prices and outcomes, while minimizing reporting burdens on affected plans, providers, or payers. Sec. 2. Expanded Access to Association Health Plans. Within 60 days of the date of this order, the Secretary of Labor shall consider proposing regulations or revising guidance, consistent with law, to expand access to health coverage by allowing more employers to form AHPs. To the extent permitted by law and supported by sound policy, the Secretary should consider expanding the conditions that satisfy the commonality-of-interest requirements under current Department of Labor advisory opinions interpreting the definition of an "employer" under section 3(5) of the Employee Retirement Income Security Act of 1974. The Secretary of Labor should also consider ways to promote AHP formation on the basis of common geography or industry. Sec. 3. Expanded Availability of Short-Term, Limited-Duration Insurance. Within 60 days of the date of this order, the Secretaries of the Treasury, Labor, and Health and Human Services shall consider proposing regulations or revising guidance, consistent with law, to expand the availability of STLDI. To the extent permitted by law and supported by sound policy, the Secretaries should consider allowing such insurance to cover longer periods and be renewed by the consumer. Sec. 4. Expanded Availability and Permitted Use of Health Reimbursement Arrangements. Within 120 days of the date of this order, the Secretaries of the Treasury, Labor, and Health and Human Services shall consider proposing regulations or revising guidance, to the extent permitted by law and supported by sound policy, to increase the usability of HRAs, to expand employers' ability to offer HRAs to their employees, and to allow HRAs to be used in conjunction with nongroup coverage. Sec. 5. Public Comment. The Secretaries shall consider and evaluate public comments on any regulations proposed under sections 2 through 4 of this order. Sec. 6. Reports. Within 180 days of the date of this order, and every 2 years thereafter, the Secretary of Health and Human Services, in consultation with the Secretaries of the Treasury and Labor and the Federal Trade Commission, shall provide a report to the President that: (a) details the extent to which existing State and Federal laws, regulations, guidance, requirements, and policies fail to conform to the policies set forth in section 1 of this order; and (b) identifies actions that States or the Federal Government could take in furtherance of the policies set forth in section 1 of this order. Sec. 7. General Provisions. (a) Nothing in this order shall be construed to impair or otherwise affect: (i) the authority granted by law to an executive department or agency, or the head thereof; or (ii) the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals. (b) This order shall be implemented consistent with applicable law and subject to the availability of appropriations. (c) This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person. DONALD J. TRUMP THE WHITE HOUSE, October 12, 2017. ###
NAHU in the News
Keep up-to-date with media highlights featuring NAHU and our members across the country.
One of the primary focuses of the NAHU Education Department is providing a variety of continuing education opportunities to NAHU members. Formalizing relationships with continuing education providers and offering their products and services is a valuable benefit to the professional growth of an NAHU member.
The 21st Century Cures Act (specifically the Qualified Small Business HRAs, but also highlighting other components that impact our business such as mental health parity); and
What the DOL fiduciary rule, with its current language, would do to agents and brokers in the non-retirement product markets and the impact of its proposed delay.
This program will be designed to provide practical and useful information that will allow you to better serve your clients, and minimize market confusion that is creating concerns among employers, accountants and other benefits professionals. Click here to view the PowerPoint. Be Ready for the HR Challenges in 2017 - February 23, 2017 Your clients turn to you for help on HR issues, and you want to be ready with answers. The Trump Administration has promised quick changes in benefits, immigration, labor and employment laws, leaving HR managers wondering which rules still apply and which will change. ThinkHR answers over 2,000 of these types of questions weekly from employers nationwide. Join Laura Kerekes, chief knowledge officer for ThinkHR, for a NAHU member-exclusive Compliance Corner webinar titled "Be Ready for the HR Challenges in 2017."In this webinar, Laura will address the HR issues that are top priority for your clients and give you some practical information you can use, including:
Immigration status verification and reporting (new I-9 form)
Wage and hour compliance while the Fair Labor Standards Act Final Rule is in limbo
Handling legalized marijuana in the workplace
EEOC protections, enforcement and EEO-1 reporting activity
And, of course, updates on ACA repeal and Executive Orders impacting employers
Click here to view the PowerPoint. Click here to view the 2017 State and Federal Minimum Wages handout. Click here to view the ACA Checklist 2016-2017 handout. Click here to view the Federal Recordkeeping Requirements handouts. Click here to view the Sick Leave by State and/or Locality handout. Changes Coming in the New Year - January 19, 2017 There’s a new sheriff in town! Who are his key appointments that will impact health insurance and health coverage? We’ll discuss the incoming Trump Administration and what is likely to occur in the early days of his Administration. What do we know about the nominees Trump has named for HHS, CMS and Treasury?The new Congress has also convened with Republicans controlling the House and Senate. With the GOP stated goal of “repealing the ACA,” how will this proceed, if at all? We’ll also review regulatory issues and provide updates on any changes that NAHU members should understand.Join Vice President of Government Affairs Marcy M. Buckner and Senior Director of Health Reform Compliance Pamela Mitroff for this informative session that will take you behind the spin and hyperbole of the 24-hours news cycle. Click here to view the PowerPoint. Click here to view the Questions and Answers document.Preparing for Compliance Changes in the New Year - December 15, 2016 Join Senior Director of Health Reform Compliance Pamela Mitroff and Compliance Corner Working Group Chairwoman Jessica Watts for a NAHU member-exclusive Compliance Corner webinar on Thursday, December 15, at 1:00 p.m. Eastern titled "Preparing for Compliance Changes in the New Year." They will review important regulations and guidelines for 2017, including new guidance on cash-in-lieu plans, nondiscrimination rules based on sex, 2017 employer reporting changes and other updates. Click here to view the PowerPoint. Live from NAHU! - December 1, 2016 The political world was rocked on December 8 when Donald Trump defeated Hillary Clinton for the presidency. With the results in, the question becomes, “Now what?” What will his election, and Republicans maintaining control of both the U.S. House and Senate, mean for health reform moving forward and for health insurance agents and brokers?On this Live from NAHU! webinar NAHU CEO Janet Trautwein breaks down the impact of this election and what it will mean for the future of the ACA and health insurance politics and policy in the new year. Can Trump and the Republicans repeal the ACA? What would that process look like? What would comprise the “replace” plan? How does NAHU approach the transition to the new Congress and presidency? What steps can members take to develop and pursue legislative objectives in their state? And what should we watch for during the lame duck session? Click here to view the PowerPoint. Click here to view the Questions and Answers document.ACA Employer Reporting Review: 10 Common Questions Heading into the Second Year of Filing - November 10, 2016 Join Trey Tompkins, JD, MBA, from Admin America, as he reviews the biggest changes that affect this year's filing, common issues from last year to focus on this coming year, and the types of transitional relief that have expired and which still apply. It will also help employers answer questions, such as: What if we still haven't filed for last year or last year's filing was rejected or "accepted with errors?" If we no longer have 50 employees, do we report this year? What if we need more time next year? Click here to view the PowerPoint. Digesting the Final Wellness Regulations and Making Them Work for Employers - October 13, 2016 In May, the Equal Employment Opportunity Commission issued new rules addressing the impact of the Americans with Disabilities Act and Genetic Information Nondiscrimination Act on employer-sponsored wellness programs. These new rules warrant that employers with wellness plans do a thorough review to ensure that their plans are in compliance. And, brokers recommending wellness programs need to understand how these rules impact wellness program structure and recommendations.Join Danielle Capilla, chief compliance officer at United Benefit Advisors, for a NAHU member-exclusive Compliance Corner webinar titled "Digesting the Final Wellness Regulations and Making them Work for Employers." This webinar will review these regulations, as well as how they differ from the longstanding HIPAA rules relating to wellness programs. Additionally, we will discuss the heightened scrutiny over wellness programs that involve biomedical screenings or health risk assessments and how wellness programs impact an ALE's affordability and minimum value calculations for play or pay purposes. Click here to view the PowerPoint. Live from NAHU! - October 5, 2016 Join us on this "Live from NAHU!" webinar session hosted by NAHU CEO Janet Trautwein with timely updates on where healthcare and health insurance stand during the 2016 elections. Hear NAHU’s thoughts on the presidential contest, the major candidate’s healthcare platforms, and expectations for the next presidential administration. Also, learn what we can expect from the remaining days of the 114th Congress, what’s at stake in the congressional elections, which legislative proposals have the potential to be enacted in the new term, and NAHU’s role in impacting policy decisions both in Congress and through the administration. We will also discuss some of the major state-based healthcare initiatives to watch out for on Election Day. With so much at stake for healthcare this November, you won’t want to miss this webinar! Click here to view the PowerPoint. Click here to view the Questions and Answers document.
HIPAA Phase 2 Audits and SEP Verification Rules - September 8, 2016 Join David C. Smith, VP of health & welfare benefits at Ebenconcepts and chairman of NAHU's Professional Development Committee, for a NAHU member-exclusive Compliance Corner webinar titled "HIPAA Phase 2 Audits and SEP Verification Rules." This webinar will cover two diverse but important topics for you to know as an insurance professional, even if you believe they have little or no obvious connection with your work.
The first portion of the program will focus on the special enrollment period rules and verification process for business written through the federally facilitated marketplaces and the state-based exchanges. These rules impact many of our members (including those that do little to no individual market business) since there may be expectations or needs from employees seeking marketplace enrollment outside of annual enrollment periods.
The second part will discuss the HIPAA Phase 2 audits and how they will impact you and your clients. We've already seen these audits increase expectations from benefits professionals as audited employers seek verification about what their agent, broker or consultant does with regard to HIPAA privacy and security compliance. Understanding what the audits are doing and how this may be a precursor to further reviews will help you assist your clients and know how to avoid becoming within the scope of an audit. Click here to view the PowerPoint.
You've helped your applicable large employer (ALE) clients through the first round of offers of full-time employee health coverage and ACA reporting to avoid one of the two employer shared responsibility penalties. The new reporting year is already more than half over and it's time to double-check employee counts and offers of coverage, especially for those special circumstances where full-time status is not clear-cut. This webinar will examine these special situations and provide practical guidance regarding:
Definition and counting hours of service under the monthly and look-back methods
Paid and unpaid leaves of absence
Unpaid special leaves, such as FMLA, USERRA and jury duty for periods of less than 13 consecutive weeks and special leaves of 13 consecutive weeks or longer
Counting hours for educational institutions
Reporting COBRA offers and coverage
We'll break down these complex issues into information you can use and answer your questions too!
What to do with Marketplace Notices, Appeals, and Medicare Secondary Payer Data Match Letters - July 14, 2016 This webinar will take a look at the marketplace notices that many employers began receiving last month, alerting them if their employees had applied for marketplace coverage and received a subsidy. We’ll review what actions employers should take when receiving a notice. It will also address Medicare Secondary Payer Data Match notices, which have also begun showing up in employer mailboxes recently. These notices identify Medicare beneficiaries who received Medicare benefits with Medicare as the primary payer when Medicare should have been secondary. Failure to respond in a timely manner to Data Match letters can result in penalties or excise taxes. We’ll discuss the deadlines to respond and how employers should respond in the event they receive these notices. Click here to view the PowerPoint.
Understanding the Basics of Health and Welfare Form 5500 - June 9, 2016 Join Lynda Taylor and Ann McAdam from Wrangle LLC for a NAHU member-exclusive Compliance Corner. As a benefits professional, your clients lean on you to assist in compliance, particularly Form 5500 reporting. The DOL and IRS know many are not upholding the ERISA reporting and disclosure provisions, and failure to comply can result in expensive penalties of up to $1,100 per day. This presentation will help you develop a firm grasp of the basics regarding Health and Welfare Form 5500. It will address the reporting rules, when you amend a plan and what to do if the IRS or DOL corresponds with a client. Click here to view the PowerPoint. Click here to view the Questions and Answers document.
Live from NAHU! - June 1, 2016 The 2016 election season has proven to be anything but ordinary, leaving pundits and the public alike scrambling for answers. What does all of this mean for health insurance moving forward? What is the future of the ACA and health reform? What would repeal and replace look like under a Trump presidency? What would Hillary Clinton’s healthcare plan look like? Bernie Sanders has pushed for a single-payer healthcare plan—what are its chances if he were to defeat Clinton in the primary and Trump in the general? What happens if the Senate tilts Democratic? During this members-only webinar, NAHU CEO Janet Trautwein will discuss each of these possibilities and give an update on the latest in healthcare politics and policy, including the status of NAHU’s legislative agenda. Click here to view the PowerPoint.
The Unintended Consequences of Healthcare Reform: How Changes in Coverage May Affect Patients’ Pocketbooks - May 12, 2016 Americans shopping on federal and state-based exchanges do not behave exactly like shoppers in the traditional commercial market. Price tends to be the driving consideration when making a purchase. When it comes to purchasing pediatric dental coverage, consumers may be surprised by their out-of-pocket dentist office expenses when they discover that the lowest price health plan was lowest price for a reason. When a carrier embeds pediatric dental benefits into an overall health plan and then subjects the dental benefits to the medical deductible, consumers may believe their children are covered, only to discover that their benefits don’t kick in until they have met a hefty medical deductible. This presentation will describe the different ways that pediatric dental benefits can be offered on and off of exchanges and will review some treatment scenarios to compare the out-of-pocket implications of various options. Click here to view the PowerPoint.
Economic Trends: Understanding the Climate for Employer Disability Plans - April 14, 2016 Employee benefits are integral to the ability of employers to attract and retain employees. This one-hour session reviews the economic and employment trends, underscoring the uptick in employment and how disability benefits can help attract employees. What are the economic and employee population trends that you should be talking about with prospects and clients? What trends will impact pricing of disability? How can employers control the costs of disability coverage? These are a few of the questions that will be answered by this webinar. Click here to view the PowerPoint.
Health Reimbursements Arrangements are not for Wimps! - March 10, 2016 HRAs, as they are lovingly called, have undergone a major transformation over the last six years due to the ACA. With all the guidance coming out from different sources, it’s hard to keep track, let alone stay compliant. One day you can use them to reimburse premiums. The next you’re told you can’t by the IRS, but there are still those in the marketplace that said you could. Then we had to modify how HRAs were “integrated” into our group health plans. Because if they weren’t, you might be subject to a penalty for not offering minimum essential coverage. Now in 2016, there are calculations to consider with HRAs regarding affordability. While all of this “new” guidance is in effect, employers and their advisors are still trying to build compliant plan designs with HRAs, FSAs and HSAs, working together. Karen Kirkpatrick covers this and much more in March’s Compliance Corner webinar. Click here to view the PowerPoint. Click here to view the Questions and Answers document.
Navigating Commissions, Ethics, and Antitrust Laws - February 16, 2016 Join NAHU CEO Janet Trautwein for a town hall webinar to discuss how antitrust laws apply to state and local chapters of NAHU as well as NAHU at the national level, what actions are permissible at the state level, and what we are doing nationally to address these issues. Click here to view the PowerPoint. Click here to view the State Rebating and Consulting Laws.
Cost Containment Strategies: Understanding the Pros and Cons - February 11, 2016 Join Legislative Council Chair Ed Oleksiak for a NAHU member-exclusive Compliance Corner webinar. This one-hour session will cover numerous topics including: narrow networks; wellness programs; HSAs and other Plan Design Concerns; pharmacy strategies including specialized drug restrictions; on-site clinics; medical tourism; consumer engagement and confusion with transparency; and state restrictions and HSA concerns with telemedicine. Click here to view the PowerPoint.
New Rules for the New Year and Other Compliance Concerns - January 14, 2016 Join Senior Director of Health Reform Compliance Pamela Mitroff and Compliance Corner Working Group Co-Chair Joan Fusco as they review important regulations and guidelines, including those addressed in the 2017 Benefit and Payment Parameters Proposed Rules. Among the additional topics to be addressed are: expiration of transition relief, the impact of the PACE Act on small and large groups, changes regarding ACA-related taxes, highlights of Notice 2015-87 regarding HRAs and assessing affordability. Click here to view the PowerPoint. Click here to view the Questions and Answers document.
ACA Employer Reporting – Form Completion How-Tos - December 10, 2015 NAHU's special edition of the NAHU Compliance Corner will begin with a very brief legislative update by Janet Trautwein, NAHU CEO, followed by a presentation by Trey Tompkins, JD, MBA, from Admin America. It will focus on the ins and outs of employer reporting for ACA Sections 6055 and 6056 and real-life coding scenarios that employers may expect to face as they complete their forms. How do you code an employee who waived coverage? How do you code an employee who joined the firm mid-year? How do you code an employee who is on COBRA? We will also discuss changes or corrections in the instructions to complete Forms 1094-C, 1095-C, 1095-B and 1095-C; concluding with filing tips and issues to consider. Click here to view the PowerPoint. Click here to view the Questions and Answers document.
Medicare Secondary Payer - November 19, 2015 The Medicare Secondary Payer program stipulates when Medicare is to serve as the primary payer of claims, meaning that it pays health claims first and if a beneficiary has other insurance coverage it can be used to fill in any gaps, and when it should pay second or not pay at all. However, interpreting these rules from both the employer's and individual's perspective can be challenging. Can an employer offer an incentive for workers eligible for Medicare to decline the employer's plan? When does an active older employee need to enroll in Part B of Medicare? Who covers what when the individual's employer has less than 20 employees? 20 or more employees? 100 or more? Click here to view the PowerPoint. Click here to view the Questions and Answers document.
Re-evaluating Wellness in Light of New Agency Guidance: The Good, the Bad, and the Outright Ugly - October 15, 2015 The Equal Employment Opportunity Commission's long-awaited proposed regulations issued on April 20 not only clarify the application of the Americans with Disabilities Act (ADA) to wellness-based programs—in particular, when incentive-based programs are considered "voluntary"—but also address the intersection between HIPAA's nondiscrimination rules and the ADA. Not all provisions will apply to all wellness programs. For example, some of the provisions discussed in the proposed regulations apply to all wellness programs; others only apply to wellness programs incorporating disability-related inquiries or medical examinations and/or wellness programs that are part of group health plans. Plan sponsors and wellness program vendors should pay careful attention to such distinctions and consult experienced counsel in case of any questions. Join John Hickman for a one-hour member-exclusive webinar covering implementation of good practices in order to meet wellness program requirements that constitute a reasonable design. Click here to view the PowerPoint. Click here to view the Questions and Answers document.
Cash in Lieu of Benefits and Other Compliance Corner FAQs - September 3, 2015 The Compliance Corner will be hosting a members-only webinar with Ruthann Laswick to discuss cash in lieu of benefits and other Compliance Corner FAQs. The webinar will look into common compliance questions, including whether an employer can offer a cash incentive to an employee if the spouse doesn't enroll in coverage and what the rules are regarding an employer paying for Medicare. Click here to view the PowerPoint.
BYOD (Bring Your Own Device) - August 27, 2015 One of the hottest topics today is setting policies for managing your employee's use of their personal computers, smart phones and tablets on your internal network. It is more complicated than giving them a password and ignore what they do. Their devices could compromise your network and the information you store about your clients. Join David Smith, vice president of Ebenconcepts, for a 30-minute members-only webinar that will give you guidance on what needs to happen to protect your business. Click here to view the PowerPoint.
A Deep Dive into PPACA's Employer Reporting Requirements - August 6, 2015 The employer reporting requirements are right around the corner and employers need to be taking steps now to be ready to comply with the requirements when they take effect. Next week we'll help walk you through the requirements under IRS Section 6055 and 6056 and the forms 1095-B, 1094-C and 1095-C. This webinar will also review penalties for non-compliance, which have recently changed, and things to consider when evaluating possible vendors. Click here to view the PowerPoint.
Supreme Court Ruling on Healthcare Subsidies - July 9, 2015 The Supreme Court of the United States released its opinion in the King v. Burwell case concerning a provision in the Patient Protection and Affordable Care Act (PPACA) and ruled that subsidies will continue to be available in all states, not just those with state-based exchanges. The Court considered two possible scenarios in its decision: adhere to the strict reading of the law that subsidies may only be available in exchanges established by the state, or rule in favor of the intent of the law for universal availability of subsidies in all states and all exchanges. The health insurance agent and broker community stands at the ready to assist both individuals and employers with their health coverage and compliance needs created by the Supreme Court's action. Join NAHU Vice President of Government Affairs Marcy Buckner for a one-hour members-only webinar discussing the outcome of this ruling as well as the impact that other recent SCOTUS rulings may have on the health insurance market. Click here to view the PowerPoint.
Difficult Employee Counting and Potential Fines Under PPACA - June 11, 2015 Join this NAHU member-only one-hour webinar presented by Danielle Capilla, chief compliance officer for United Benefit Advisors, and Carol Taylor, compliance director for the D&S Agency, who will provide an overview of counting difficult employee situations. Not that you need to count difficult employees per se, but certain circumstances do make for troublesome counting. How do you accurately count seasonal employees, leased employees, teachers off for the summer, union employees or even employees out on leave? Where should the counting method be documented, not only for the employees but also for the employer? In addition, a review of the self-reported fines and penalties that can be levied under PPACA will be presented. Click here to view the PowerPoint.
What are the Steps to a HIPAA Risk Assessment? - May 21, 2015 Conducting a risk assessment is one of the most complicated and time consuming processes in meeting HIPAA requirements. If you get help from a vendor, what is the first step in the process? What are the three areas you need to address in a risk assessment? Join David Smith, vice president of Ebenconcepts, for this 30-minute NAHU member-exclusive webinar covering the key steps to becoming HIPAA compliant. Click here to view the PowerPoint.
Mythbusters, ERISA Edition–Separating Compliance Fact from Fiction - May 7, 2015 There's a lot of information out there about the compliance risks involved in administering an ERISA-covered plan. However, misinformation also abounds in this area as many brokers of health and welfare plans haven't experienced a DOL or IRS audit and are left to speculate on the true consequences of compliance failures. Join two former DOL investigators, who are now NAHU members and compliance professionals at national brokerage firms, as they share their experiences. Elizabeth Allen, AVP, Benefits Compliance and Counsel, NFP, and Ross Carmichael, vice president of compliance and operations at Higginbotham, will discuss common ERISA pitfalls and some of the key areas that plan administrators should concentrate on. Click here to view the PowerPoint.
2016 Benefit and Payment Parameters and Cadillac Tax Overview - April 30, 2015 Join Jessica Waltman, senior vice president of government affairs, and Pamela Mitroff, senior director of health reform compliance, as they review important revisions and guidelines addressed in the 2016 Benefit and Payment Parameters Rules. They'll also address the questions—and comments—included in the IRS's initial guidance on the Cadillac Tax. Click here to view the PowerPoint.
Get Your Health FSAs, HRAs & HSAs Into Compliance - March 12, 2015 Employers are turning to consumer-directed health care to help lower costs more than ever. Many employers turn to health flexible spending accounts ("health FSAs"), health reimbursement arrangements ("HRAs") and health savings accounts ("HSAs") to accomplish this goal. These are all types of consumer-driven health care, each with its own compliance-related issues. Surprisingly, many employers do not realize that health FSAs and HRAs require ERISA compliance. Plus, healthcare reform and recent IRS regulatory guidance impacts consumer-directed accounts. Employers must be more cautious than ever to ensure they are not inadvertently operating their consumer-directed plans out of compliance with a variety of employee benefits laws. Click here to view the PowerPoint.
When Employees Can Change Their Benefit Elections During A Plan Year - February 5, 2015 As benefit professionals well know, almost every employer allows employees to pay their share of their group welfare benefits with pre-tax payroll deductions. In those situations, federal regulations limit when employees can make changes to those payroll deductions in the middle of a plan year.
This NAHU member-exclusive Compliance Corner webinar will review the Section 125 mid-year change of election rules, which governs those changes. This webinar will also review the fundamental requirements that must be met before employers can allow a mid-year change and the specific events that may give rise to an election change opportunity. This will include a review of the two new change events related to enrollment in marketplace provided Qualified Health Plans. Lastly, this webinar will review the rules governing mistaken elections and offer guidelines for situations where employees claim their benefits don't match their election intent. Click here to view the PowerPoint.
Even though actual reporting under Sections 6055 and 6056 doesn't need to be submitted until 2016, responsible entities need to know now what information they will need to be tracking starting in January of 2015. They also need to implement systems to properly gather and retain that information. In addition to insurance carriers, responsible entities include self-funded group health plans of all sizes and employer group plans subject to the law's employer mandate requirements (aka Applicable Large Employers).
This member-exclusive webinar will review the latest published information on the required reporting forms including each of the data elements that employers will be required to report to the federal government annually for enforcement of both the employer and individual responsibility requirements. This webinar will also review in detail which entities are required to file, the filing deadlines and the filing methods. Click here to view the PowerPoint slides corrected in March 2015. Click here to view the Questions and Answers document.
Looming ACA Rules Impacting Small & Large Employers: Updates on Late-Breaking Guidance - December 11, 2014 During this must-attend NAHU webinar, ThinkHR's Laura Kerekes, author of the monthly "Thinking about HR" column in our HIUmagazine, will address the human resources and compliance issues brokers and their clients are facing every day. She will provide practical insights into the 2015 human resources challenges brokers need to know and can share with their clients. Click here to view the PowerPoint.
Selling in the FF-SHOP? Compliance Tips You Need to Know! - November 20, 2014 If you are not an avid reader of the Q&As released by REGTAP and planning on selling in the Federally Facilitated-Small Business Health Options Program (FF-SHOP), this Compliance Corner webinar is for you. There are several issues with state laws that the FF-SHOP is not able to administer in this initial rollout. In this NAHU member-exclusive Compliance Corner webinar, Carol Taylor and Jessica Watts will discuss state law issues, COBRA and other eligibility pitfalls that you and your clients need to know. They will also review regulations surrounding participation and contribution rules in the FF-SHOP. Click here to view the PowerPoint.
The Privacy Requirements for Selling on the Health Insurance Marketplace - October 30, 2014 You took the Centers for Medicare and Medicaid Services (CMS) training online and are now authorized to assist clients buying insurance through health exchanges. Now that you're qualified, the question is, do you really comprehend the privacy requirements on protecting your client's health information? Attend this free NAHU-member webinar that will help you understand:
How to properly protect your clients,
What you're allowed to do with their Personally Identifiable Information (PII), and
Leverage Your State's Marketplace To Grow Your Agency - October 9, 2014 Join us for a one-hour NAHU member exclusive webinar on what it takes to retool an agency and take advantage of the business opportunities presented to agents by the introduction of the marketplaces. The webinar host, Bill Lucas of Bill Lucas Insurance in Savannah, Georgia, will define clear and actionable items based on his expertise in assisting with federally facilitated marketplaces and opening multiple retail locations around Georgia to serve individuals drawn into the health insurance market by PPACA. Click here to view the PowerPoint. Click here for the speaker’s client facing webpage.
Open Enrollment Season Checklist - September 11, 2014 Even though summer doesn't technically end until September 21, we're already in back-to-school mode and hope you are too! With open enrollment just around the corner, we want to be sure you and your clients are prepared as can be for the busy months to come. Click here to view the PowerPoint. Click here to view the Questions and Answers document.
Office for Civil Rights Audit Mandate - Will Your Business Meet HIPAA Privacy & Security Requirements? - August 7, 2014 Did you know that since 2009 there have been over $100 million in fines levied against health insurance carriers, hospitals, physicians and other parties over HIPAA Privacy and Security requirements? The percent of those fines attributable to lost or stolen computer data, or even not properly disposing of an old computer, is truly scary. And recently, the Obama Administration has announced their intent to conduct thousands of audits of both covered entities and business associates in the next year to ensure compliance. Since agents, brokers and consultants are liable for similar breaches along with a whole set of new rules as business associates for their group clients and various health insurance companies, you have a much higher standard to meet.
Our presenter David Smith will provide you with a deeper understanding about what you need to do to be compliant as well as new programs that will be available from NAHU to demonstrate your compliance and readiness for these HIPAA Privacy and Security Rules, and training and other tools to make sure you stay up-to-date on these ever-changing rules. Click here to view the PowerPoint. Click here to view the Questions Log.
Summary Plan Descriptions: What's Really Required and How to Comply - July 10, 2014 Join us for our Compliance Corner webinar presented by Robert Marcino, principal of Strategic Recovery Partnership Inc., on ERISA summary plan descriptions and other requirements. Department of Labor (DOL) audits are on the rise and most employers are not aware of the legal responsibilities under ERISA, which was enacted in 1974. In this webinar, you will learn what size groups ERISA applies to for not only SPDs, but for IRS 5500 filings as well. A short review of COBRA and PPACA and how these laws work together will also be presented. Don't wait for a DOL audit with one of your clients to find out what employers should be doing now to get into compliance! Click here to view the PowerPoint. Click here to view the supporting document. Click here to view the Questions and Answers document.
Understanding Section 125 Qualifying Events, HIPAA Special Enrollment Rights and Marketplace Special Enrollment Periods - June 19, 2014 It's a topic that always garners questions: Section 125 qualifying events. When an employer permits an employee to pay pre-tax dollars for health benefits, the employee cannot change that election mid-year without experiencing a qualifying event and only if the employer has adopted the optional Section 125 event permitting the change. Unless, of course, the event qualifies as a HIPAA special enrollment right, in which case the employer must allow the election change (such as in the event of a marriage, birth and adoption, among others).
With the recent rollout of the health insurance marketplaces, this discussion gets even more complicated when considering the new special enrollment periods, which are not governed under Section 125 rules. Join us for an in-depth discussion on when employees and exchange individuals are able to make election changes, what type of changes are consistent with an event and when that change should be effective. As part of the webinar, we will also examine the availability of coverage options for existing COBRA beneficiaries through the marketplaces. Click here to view the PowerPoint.
The Impact of Agency Guidance on Marketing Individual Medical Coverage Through Employer-Based Arrangements - May 22, 2014 Join John Hickman and Ashley Gillihan of Alston & Bird, LLP Health Benefit Practice as they walk you through recent agency guidance and its impact on marketing individual medical coverage through employer-based arrangements. Topics to be covered include HRAs, private exchanges and other defined contribution arrangements, important exceptions to the agency guidance and limitations on pre-tax treatment of individual medical coverage. Click here to view the PowerPoint. Click here to view the supporting document.
Final Employer Reporting Regulations - April 3, 2014 This Compliance Corner webinar will focus on the final employer reporting regulations that fall under sections 6055 and 6056 of the Internal Revenue Code. These regulations outline the health plan information that employers will be required to report to the federal government annually for enforcement of both the employer and individual responsibility requirements.
Large employers and insurers must generally begin collecting information beginning January 1, 2015 to report in 2016. These are complicated rules with new wrinkles for employers and insurers alike. Please join Anne Phelps, principal at Washington Council Ernst and Young, for this informative member exclusive webinar. Click here to view the PowerPoint.
A Review of Hot Topics and Federal vs. State Related Issues - March 13, 2014 Please join Senior Director of Health Reform Compliance Pam Mitroff and NAHU Legislative Council Compliance Chair Carol Taylor for a member exclusive webinar covering a review of hot topics regarding health reform. Given the influx of questions - federal vs. state laws, hours, counting employees, composite ratings, participation and pediatric dental - Pam and Carol will provide further explanation in this one-hour open forum presentation. Click here to view the PowerPoint.
Department of Treasury Released the Final Rule on the Employer Shared Responsibility (Employer Mandate) - February 13, 2014 The Obama Administration released the final employer mandate coverage requirements on Monday, February 10, and they contain many changes for employers. The final rule extends existing transition relief for mid-calendar year plans, gives employers with 50 to 99 employees more time to comply and establishes that companies must offer insurance to only 70% of full-time workers in 2015, rather than 95%, among many other provisions. Join Senior Vice President of Government Affairs Jessica Waltman for a one-hour webinar to go through the new rule and discuss what this really means regarding employee health coverage. Click here to view the PowerPoint. Click here for an analysis of the final employer shared responsibility rules. Click here to access the IRS questions and answers on the employer shared responsibility provisions.
Are You Ready For A DOL Audit - January 13, 2014 This presentation will discuss the types of plans that are subject to an audit by the Department of Labor, what prompts a DOL audit, preparing for a DOL audit of your employee benefit plan and proactive measures. Please join Cindy L. Davis, principal of the law firm of Anderson, Helgen, Davis and Nissen, P.A. in Minneapolis. Ms. Davis has more than twenty years of experience and focuses her practice in the areas of employee benefits. She advises employers, trustees and other plan fiduciaries, as well as third-party administrators, in designing, implementing and operating all manners of employee welfare benefit and retirement benefit plans, applicable laws and the objectives of the sponsoring organization. Click here to view the PowerPoint and supporting document.
The Day Before Thanksgiving Regulation Dump - December 5, 2013 The announcement regarding renewing non-grandfathered, non-PPACA compliant plans from January 1, 2013 to October 1, 2013 came as a surprise over the last few weeks. This NAHU Compliance Corner exclusive member-only webinar will help you better understand the ramifications behind the announcement, plus the five regulations that were released last Wednesday. For those of you who didn't read the 300 or so pages of new regulations, join NAHU Senior Vice President of Government Affairs Jessica Waltman and D & S Agency, Inc. Director of Compliance Carol Taylor for an overview of what you need to know. Click here to view the PowerPoint.
Exchanges and HRAs After Notice 2013-54 - November 7, 2013 Health Reimbursement Arrangements (HRAs) give employers the opportunity to reimburse employees’ healthcare expenses on a tax-free basis. This presentation will address how HRAs are to comply with the Affordable Care Act with specific emphasis on recent guidance that addresses the use of HRAs and other employer reimbursement plans to reimburse employees for health insurance policies purchased on the individual market. Listen in with Bill Sweetnam, principal at the Groom Law Group, and Carol Taylor, NAHU Compliance Advisory chair, for this one-hour webinar. Click here to view the PowerPoint.
Defense of Marriage Act Changes and the Impact on Employee Benefits - October 3, 2013 The United States Supreme Court's June 2013 ruling in the United States v. Windsor case, that overturned a portion of the Defense of Marriage Act, will have a substantial impact on employer-sponsored benefit plans. In recent weeks, several federal agencies have issued key guidance to provide employers and their benefit advisors with assistance to address related benefit issues like the tax treatment of health insurance for same-sex spouses, the impact of the ruling on ERISA and ERISA group benefit plans and changes to the applicability of the Family Medical Leave Act protections. This webinar will focus on the new guidance and other ways the ruling may affect employee benefits. Derek Dorn and Michael Hadley, tax and labor attorneys with Davis & Harman, LLP, will lead the discussion. Click here to view the PowerPoint.
Minimum Essential Coverage - September 19, 2013 Many large employers are assessing the options to comply with PPACA and avoid the penalties. Large employers are required to offer minimum essential coverage to 95% of full-time employees to meet the requirement of offering coverage. Minimum essential coverage (MEC) does not equal minimum value coverage. Technically, MEC is something less than minimum value.
This webinar will discuss the distinctions between minimum essential coverage and minimum value. We will look at the so-called “skinny plans” that have been developed to meet MEC and discuss whether these plans may be part of the compliance solution and the pros and cons of this strategy. Click here to view the PowerPoint.
New HIPAA/HITECH Rules Implementation: September 23, 2013 Compliance Deadline - August 22, 2013 This webinar will help educate you about the heightened requirements under HIPAA Privacy and Security that will impact insurance agents, brokers and consultants beginning in September. The webinar is designed to identify key areas of interest and discuss products that will help provide both training and necessary paperwork to prove compliance. We will also discuss how your clients, as well as your subcontractors, must also be prepared to be compliant with the new rules. Click here to view the PowerPoint.
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How The Affordable Care Act Impacts Dental Coverage - August 1, 2013 The Affordable Care Act (ACA) requires dental benefits for children to be offered in small group and individual markets and on exchanges in 2014. Join dental industry thought leaders Evelyn F. Ireland, CAE, executive director at the National Association of Dental Plans (NADP), Jon Seltenheim, senior vice president of business and government strategy at United Concordia Companies and Jeff Album, vice president of public and government affairs for Delta Dental of California, New York, Pennsylvania and Affiliates to learn all the basic concepts and how these benefits will be included in embedded medical and separate dental plans offered on and off health insurance marketplaces. Click here to view the PowerPoint. Click here to view the handout with blanks and click here to view the handout with the answers. Click here to view the ACA and dental coverage basics.
Employer Mandate Delay - July 11, 2013 The Department of the Treasury announced late July 3 that the Obama Administration intends to delay the application of the health reform law’s employer shared responsibility payments (aka employer mandate penalties, not the mandate itself) until 2015. Furthermore, information reporting by employers and health insurers regarding employer-sponsored coverage relative to the individual mandate and pay-or-play reporting will not be mandatory until 2015.
What this means is that the IRS will not assess employers penalties for failure to offer coverage in 2014 or for coverage mistakes in 2014. It seems that the earliest an employer could receive a coverage penalty would be 2015, with payments presumably due in 2016. Join NAHU and Council Ernst and Young for a one-hour webinar covering what could potentially change the entire landscape of the most crucial part of the law, how employers are reacting and how you can use the delay to help better prepare your clients. Click here to view the PowerPoint.
Controlled Groups and Common Law Employees: Critical Concepts for Pay or Play Compliance - June 6, 2013 Sesame Street has The Count to help toddlers learn to count. NAHU has this month’s Compliance Corner webinar to help determine how to count employees. A critical concept is the application of controlled group rules to determine if separate businesses must be counted together. Controlled group rules are confusing and complex; in fact, the IRS has a 108-page chapter of guidance on this topic alone. A basic understanding of what these rules entail is critical to determining whether an employer is a large employer for purposes of the “pay or play” provisions of PPACA. Another term, “common law employee,” also is critical to determine which employees should be counted. Should a business owner be counted? What about independent contractors -- are they employees?Recent guidance from the Department of Labor regarding exchange notices that employers will have to provide raises the issue of which employers have to comply. Employers subject to the Fair Labor Standards Act (FLSA) are tasked with this notice requirement. Join William Nichols of Laner Muchin Ltd. and NAHU Director of State Affairs Pamela Mitroff for this one-hour member-exclusive webinar and learn which employers are – or aren’t – subject to the FLSA. Click here to view the PowerPoint.In Depth Explanation - Differences in the Way Health Reform Law Defines Seasonal Workers - May 2, 2013 May’s Compliance Corner webinar focused on how employers need to track variable hour employees to comply with the law’s employer mandate requirements. Due to the popularity of that session, we’ve decided to delve a little deeper for our May webinar and will focus specifically on how employers must consider seasonal employees, which can include holiday workers, interns, summer help and more. The webinar will cover the differences in the way the health reform law treats seasonal workers as opposed to other federal requirements, show how employers account for the seasonal worker exemption when it comes to the applicability of the employer mandate and provide options for employers who definitely are subject to the law’s employer responsibility requirements in terms of managing and tracking the hours of their seasonal workers. The session will also cover how the law treats seasonal employees who may not be residents of the United States. Click here to view the PowerPoint.All You Ever Wanted to Know About Health Reform’s Employer Responsibility Requirements Regarding Counting Employees: A Close Look at the Employer Responsibility Rule and Variable Hour and Seasonal Employees - April 4, 2013 NAHU’s April 2013 Compliance Corner webinar focused specifically on the health reform law’s new employer responsibility requirements relative to counting employees. Beginning in 2014, employers with more than 50 full-time equivalent employees will have to offer coverage to all of their full-time workers. How to count those employees, particularly those that work variable hours, and determine if they are full-time or not is tricky business. Plus, many employer are unaware that they need to be thinking about counting and getting their methodologies in place NOW to be prepared for 2014 since the methods chosen can have a significant impact on an employer’s liability moving forward. Please join NAHU CEO Janet Trautwein for a one-hour webinar to discuss how the new measurement and stability periods work and how you can use this information to provide strategic advice to your employer clients. Click here to view the PowerPoint and click here to the supporting document on the employer responsibility rule and variable hour and seasonal employees.The Basics of a Department of Labor Audit II - March 7, 2013 This month's webinar focuses on the very specific employer compliance changes that the DOL will be looking for relative to health reform implementation. Ruthann Laswick, President of Bluewater Benefit Consulting and NAHU Professional Development Committee Vice Chair, joined NAHU’s Jessica Waltman for the presentation. Click here to view the PowerPoint.The Basics of a Department of Labor Audit - February 7, 2013 The Federal Department of Labor is responsible for enforcing ERISA requirements for all group health plans and many of the new PPACA requirements for employers through plan audits. The DOL recently increased its auditing and enforcement budget and estimates that three out of four plans audited have at least one ERISA violation. While the vast majority of these violations are unintentional, the possibilities for errors and significant penalties abound when it comes to group health plan administration. Benefit professionals need to be prepared for the possibility of their clients being subject to DOL audits, given their increasing frequency. More importantly, NAHU members need to be able to ensure that all of their clients are prepared to pass an audit before they ever receive a summons. This one-hour webinar, featuring Senior Vice President of Government Affairs Jessica Waltman and NAHU President-Elect Thomas Harte, will focus on DOL audit basics and what members and employer clients need to document and have at the ready should an audit notice arrive. Click here to view the PowerPoint.Understanding the New Proposed PPACA Employer Rules - January 16, 2013 NAHU’s retained counsel, Anne Phelps and Heather Meade of Washington Council Ernst and Young, presented a one-hour webinar on Wednesday, January 16 to discuss a proposed regulation outlining how the health reform law’s employer responsibility requirements will work that was issued by the IRS on January 2, 2013. Click here to view the PowerPoint.Strategic Considerations in Group Health Insurance—Walking Through 2014 Options - December 19, 2012 Jessica Waltman, Senior Vice President of Government Affairs, presented a one-hour webinar on Wednesday, December 19 that provided valuable information to help you walk through new 2014 options for clients to help them make strategic decisions that make the most long-term financial and competitive sense for them as well as for their employees. Click here to view the PowerPoint.The Impact of the 2012 Presidential and Congressional Elections on the Health Reform Policy Agenda - November 7, 2012 NAHU CEO Janet Trautwein and Senior Vice President of Government Affairs Jessica Waltman presented a one-hour member's only webcast on Wednesday, November 7 and discussed the results on the 2012 presidential and congressional elections. This session covered the impact the election results will have on health reform generally, as well as on NAHU's specific policy agenda. Click here to view the PowerPoint.Administration Releases Notices on Certain Employer Requirements Under the ACA - September 26, 2012 The Department of the Treasury released Notice 2012-58 regarding the definition of full-time employee for purposes of the assessment of the employer tax penalties under the Affordable Care Act ("ACA"), and the Departments of Labor, Treasury and Health and Human Services together released Notice 2012-59 on the ACA's 90-day limitation on waiting periods. The notices state that employers can rely on the guidance in the documents at least through the end of 2014. Heather Meade Washington Council Ernst & Young presented a one hour webinar covering highlights of the notices on the definition of a full time employee, tax penalties, types of safe harbor methods and 90- day waiting period limitations. Click here to view the PowerPoint.Summary of Benefits and Coverage: Final Rules Issued, Requirement Effective Beginning September 23, 2012 - September 21, 2012 The Affordable Care Act created a new disclosure requirement for group health plans and issuers: the summary of benefits and coverage (SBC). The September Compliance Corner webinar will go over in detail the requirements to provide an SBC, notice of modification, and uniform glossary applied for disclosures to participants and beneficiaries who enroll or re-enroll in group health coverage through an open enrollment period. For disclosures to plans, and to individuals and dependents in the individual market, these requirements are applicable to health insurance issuers beginning on September 23, 2012. Click here to view the PowerPoint or Click here to view a PDF of an overview of the summary of benefits and coverage.The Affordable Care Act: Summary of Employer Requirements - August 14, 2012 The August Compliance Corner webinar reviewed in detail all of the upcoming requirements our nation's employers will have to deal with in the coming years as a result of the passage of the Patient Protection and Affordable Care Act (PPACA) with a focus on how health insurance agents and brokers can best advise their clients about the coming changes to the world of employee benefits. Particular attention is paid to the new coverage requirements for employers so that attendees understand exactly how the employer mandate and penalty provisions of the law will work. In addition, we covered the information all employers will need to report to the federal government about their benefit plans and what responsibilities employers have with regard to the new health insurance exchanges. Presenters for this one-hour program are Anne Phelps, a partner at Washington Council Ernst and Young and NAHU CEO Janet Trautwein. Click here to view the PowerPoint.Health Reform in a Post-Supreme Court World - July 11, 2012 The United States Supreme Court announced its decisions on the four interrelated issues that made up the constitutional challenge to the Patient Protection and Affordable Care Act. The court has decided the individual mandate is a tax and thereby constitutional, and that the Medicaid expansion is also legal, although its provisions were limited. The entire measure stands as is except that the federal government's power to terminate states' Medicaid funds has been reduced. For purposes of implementation, virtually all of the law and all resulting regulations and deadlines proceed as scheduled. The only part of the law that will change has to do with the level of funds states may receive based on choices they make relative to their Medicaid programs.With regard to the constitutionality of the individual mandate, the Justices voted 5 to 4 that Congress was within its authority to require that all Americans have health insurance coverage using its power of taxation. Justices Roberts, Ginsberg, Breyer, Sotomayor and Kagan voted to uphold the mandate. Justices Kennedy, Scalia, Alito and Thomas opposed the decision. The court also ruled that PPACA may allow states to expand their Medicaid programs. However, in the majority opinion, the Justices made it clear that if states do not want to participate in the PPACA expansion of Medicaid, they can continue to receive their existing level of funding for the rest of the program.Since the Court voted to uphold the individual mandate and Medicaid expansion provisions of the law, the question of whether or not these provisions of the law are severable is moot. The majority opinion also made it clear that the federal Anti-Injunction Act does not apply because the label "tax" is not controlling. Click here to view the PowerPoint or here for the Q&A section of the webinar.This Summer's PPACA Compliance Requirements-Preventive Care, MLR Rebates and Getting Ready for the New Coverage Summaries - June 7, 2012 Several key provisions of the health reform law need to be implemented by employers later this summer and in the fall. Even though the law's future is currently questionable, given the pending decision by the Supreme Court and the upcoming November elections, responsible employers and brokers need to be making implementation plans, just in case. Click here to view the PowerPoint or here for more information about PPACA Compliance Requirements.Exchanges and Employer Sponsored Health Plans - May 9, 2012 In March 2012, the federal Department of Health and Human Services released final rules for health insurance exchanges. According to the health reform law, each state must have a qualified health insurance exchange up and running by January 1, 2014 to serve its individual and small group health insurance marketplace. If a state doesn't act in time to create an exchange, the federal government will step forward to create and operate one for the state. Employers have significant responsibilities relative to the exchanges, even if they don't elect to buy coverage there. Click here to view the PowerPoint.New Guidance on Summary Plan Benefits and Other Recent Regulations Part II - April 9, 2012 The Departments of Health and Human Services (HHS), Labor and Treasury continue to issue guidance implementing the Patient Protection and Affordable Care Act that will affect health plans and your business. Learn about recently issued guidance on the new summary of benefits requirements, auto-enrollment, 90-day wait period, treatment of newly hired employees, annual and lifetime limits and other important issues. Click here to view the PowerPoint or here for more information about summary plan benefits.New Guidance on Summary Plan Benefits and Other Recent Regulations - March 1, 2012 The Departments of Health and Human Services (HHS), Labor and Treasury continue to issue guidance implementing the Patient Protection and Affordable Care Act that will affect health plans and your business. Learn about recently issued guidance on the new summary of benefits requirements, auto-enrollment, 90-day wait period, treatment of newly hired employees, annual and lifetime limits and other important issues. Click here to view the PowerPoint.It is 2012 and the New Form W-2 Reporting Requirement is in Effect - February 2, 2012 Beginning in 2012, the Patient Protection and Affordable Care Act requires employers to report the cost of employer-provided healthcare on all Form W-2s issued after January 1, 2013. NAHU's benefits attorney, Heather Meade, from Washington Council Ernst & Young, provided a refresher on what types of coverage should be included in the reporting, valuation, transition relief for small employers, and an update on the recently issued IRS interim guidance Notice 2012-9. The update is of particular interest given some of the new guidance relating to HSAs, HRAs, FSAs, and Section 125 salary reductions. Click here to view the PowerPoint presentation only. Click here to view interim guidance on informational reporting to employees of the cost of their group health insurance coverage.COBRA Subsidy Extension: Key Changes - January 6, 2010 With the President's signature this week, the federal COBRA subsidy for involuntarily separated individuals has been extended and slightly modified. This goes into effect immediately so that individuals who are eligible for the subsidy will get up to 15 months of subsidized COBRA coverage.
This informative web recording will update and prepare you for the extension and how to best educate and prepare your clients for the new law's impact on the subsidy program.
GINA generally prohibits a group health plan from collecting or using genetic information (including family medical history) at or prior to enrollment. This affects health plans, wellness programs and FSAs. Compliance is required as early as January 1, 2010, but current actions for the upcoming plan year are also affected.
President Obama just signed a bill extending the federal COBRA subsidy by six months. It goes into effect immediately. The nine-month, 65% premium subsidy has been extended to a total of 15 months. Plus, the subsidy is available to employees or dependents who lose coverage under a group health plan through Feb. 28, 2010 — changed from Dec. 31, 2009.
HIPAA was recently amended to add new breach notification rules and to apply HIPAA requirements directly to business associates. Revisions to your HIPAA policies and business associates agreements are needed by February 2010.
Additional changes have occurred as a result of Michelle's Law (affecting students), the Mental Health and Substance Abuse Equity Act (mandating minimum levels for covered mental health and substance abuse) and many state laws (e.g. mandatory dependent coverage through certain ages). These changes affect both insured and self-insured plans. Cost saving approaches may be available.
New Regulations Have An Impact on Employers In addition to the health care reform debate ongoing in Washington, a number of employment law issues have been passed or new regulations adopted that affect employers. David Smith, vice president of Health and Welfare Benefits with Financial Directions Group will bring you up to speed on the recent changes made to the Americans with Disabilities Act, Family Medical Leave Act, various discrimination laws, the Genetic Information Nondiscrimination Act and the Lilly Ledbetter Act so that you are aware of these new federal laws.
New HIPAA Breach Notification Regulations Regulations were issued August 24th regarding notification requirements for breaches of unsecured PHI. The regulations are effective September 23, 2009, and generally affect "covered entities" such as employer health plans (e.g., medical, dental, vision, and health flexible spending accounts) and their business associates under the HIPAA privacy and security rules.
Under the new regulations, certain breaches of unsecured PHI that may cause financial, reputational, or other harm to an individual must be reported to the individual and to the federal government. A covered entity is required to train its workforce with respect to the new breach notice requirements, provide for a complaint procedure, set up breach notification policies and procedures, and meet other requirements in the new regulations.
Join Ric Joyner, David Smith and Tom Jacobs for a 90 minute webcast and find out how employers with group health plans should act now.
Mental Health Parity Significantly expanded mental health parity requirements were enacted as part of the Emergency Economic Stabilization Legislation signed into law on October 3, 2008. Calendar-year health plans must be in compliance by January 1, 2010, yet new regulations are not expected until after implementation. Unfortunately, that leaves many open questions as the employer-sponsored plan industry struggles to implement the new requirements by the deadline.
Listen in on the review of the new requirements, hear insight as to how other companies are responding where there are open questions (including important strategy considerations), and listen to a discussion of how behavioral health management may be a valuable tool for compliance with the new law.
Presented by: Susan Relland, Miller Chevalier, and Patrick Gauthier, AHP Behavioral Health Consulting Group
The Critical Role of Brokers in the Purchase Process As the focus on health care reform continues, it becomes increasingly important to understand the changing role of the agent/broker in supporting consumers. Though consumer concern around health care financial exposures continues to increase and overall consumers are shopping more, their purchases are not increasing. We will share a selection of insights generated from McKinsey & Company's Retail Health Care Consumer Survey, including:
How are agents viewed by consumers?
What are consumers doing to manage their health and financial risks?
What are the key factors that drive consumers' purchasing decisions?
How can agents/brokers better influence and support consumer decision making?