Reform Q&A

Question Post datesort icon
How will the exchanges effect brokers in New Hampshire. I have heard that commission structures are $6-$10 pmpm. Apr 30,2012
Somewhere in the volumes of PPACA, it says that an employer has to give employees 60 days notice of a material modification in the plan. It also says that this notice is only required for off anniversary changes. Can you point me to where this is written or if Benefit Mall has given out something that states it in writing? Apr 30,2012
Regarding 2013 and the FSA limit of $2,500 -- your language says "beginning January 1, 2013 ..." but isn't clear if it is plan years beginning that date. Suppose you have a 10/1 plan year and allow $5,000 in an FSA. Do you have to reduce that as of 10/1/12 or 10/1/13? Thanks. Not all FSAs run calendar year. Dec 14,2011
The question I have is simple. If an employee in a large group declines employer coverage and subsequently enrolls voluntarily through the individual exchange - is the employer fined $2,000 (or whatever the amount is) beginning in 2014?” Oct 18,2011
A group is currently grandfathered. They have roughly 60 employees, 50 of which are seasonal. Within the state of Colorado that would make the group small group as the state would not count seasonal employees as eligible and/or full time. If the group were to move carriers and become a non-grandfathered plan, come 2014 would they have to provide benefits to those employees would are considered seasonal? Oct 18,2011
1. Are the W-2 reporting requirements going to apply to our client base starting in 2012? Jul 25,2011
Assuming the MLR remains as is, will carriers in the small group market pool all their claims to determine if a refund is due and then return an equal percentage to each employer or will the MLR apply to each small group employer individually? Jul 18,2011
Has the 1099 reporting requirement in the Healthcare Reform bill been amended and signed by the President. I know that it was amended in April but I have not heard whether or not Obama has signed the amendment. Jun 15,2011
Does the 60 day notice requirement in 2012 to employees for plan modifications include change in premium costs? Jun 09,2011
Since most employers (at least we don’t seem to be able to) do not have their medical plans finalized until a couple of weeks prior to open enrollment how can we be expected to tell the employees so far in advance? Jun 09,2011
What is the national average of what percentage an employer pays for the premium for employees? Jun 09,2011
Heard from a broker that "private equity control groups" must offer identical medical benefits to all the employees/employers within these groups effective 4/1/2011. Is this accurate? If so, I need direction on finding more in writing. Apr 29,2011
I have a fully insured client who is owned by a much larger entity in OK with a couple 1000 employees. They bought a company some years ago and it is operated as a completely separate entity. They got a call from the CFO of the larger entity seem to believe the new legislation will require the larger entity to include them in their self-funded plans required by law( PPACA) ..they keep sighting the control group rule in the new legislation ….I have heard this item was abandoned …do you have an resource we could get some timely information on this subject? Apr 25,2011
What was the essence of DOJ's reply to the 11th Circuit on the matter of constitutionality of Obamacare? What are they claiming as their basis for the constitutionality? Apr 20,2011
I am trying to get a better understanding of the wellness provisions under PPACA particularly the Wellness Grants the feds have supposedly been issuing. I know the high level qualifications, but do not know the specifics of how a group applies. Can you point me in the right direction? Apr 08,2011
The provisions in the PPACA that affect HSAs as of January 1, 2011, will this be a move going forward or will it be a rule that could force changes in existing accounts? Feb 09,2011
I have an employer group (around 60 people in the group but getting ready to hire another 60 for a phone room staff) Can they pay 100% for one class of executives, let’s say 80% for main staff and 50% for a phone room staff? Feb 06,2011
If a plan is eliminated by a carrier, does the replacement plan allow for keeping grandfathering status if they keep the new plan? Jan 19,2011
Does a cafeteria-style program with multiple plan options, qualify for grandfathering status even though some plans have changed within the program? Jan 18,2011
Does an individual employee contract of higher contributions fall under the non-discrimination rules? Jan 16,2011
If the formula stays the same, but a change in earnings results in a change to the out-of-pocket limits such that the change exceeds the thresholds allowed under paragraph (g)(1) of the interim final regulations relating to grandfathered health plans, will my plan relinquish grandfather status? Jan 15,2011
Is it required to have the same contributions and options for all employee if there is no grandfathered status? Jan 15,2011
At renewal, can an employer lower the deductible (increase the benefit) and maintain Grandfather status? Jan 12,2011
Has any information regarding the small business wellness grant application posted yet? Jan 12,2011
I recently read that on December 29th, 2010 the President signed HR 6517, section 116 of which extends the maximum COBRA coverage period for Heath Tax Credit recipients from December 31st, 2010 to February 12th, 2011 and also extends the subsidy. I need additional info on this. Is this only for existing COBRA participants that were previously qualified or does this open the window for new participants as well? Jan 12,2011
If an employer has two different carriers, do all employees have to have access to all plans and same contributions if they lose GS? Jan 11,2011
Does the definition of non-discrimination for highly compensated employees mean that all salaried employee of a same categories can have different contribution towards their medical premiums? Jan 10,2011
Does a union contract bypass the rules of discrimination, thus allow for different contributions for union and non-union employees? Jan 07,2011
If the group renews with these same two plans AND adds another plan option, by adding this third option will this mean they are no longer "Grandfathered"? Jan 06,2011
In your opinion, what is better for a small business with 5 or less employees, stay grandfathered or change to the non-grandfathered plan? Dec 30,2010
How do the non-discrimination rules apply to the funding of HSA plans for owners and their dependents as well as the paying of premium? Can it be different from the employees? Dec 29,2010
One of my clients pays 100% for dependents only after the employee has been with the firm for 3 years. Is this allowable under the new law? Dec 21,2010
If an employer does not retain Grandfathered Status (i.e. is Non grandfathered) would you be able to tell me what types of Notices etc. that the Employer is responsible for and when that becomes implemented? Dec 17,2010
I am trying to find the grant money for small businesses that want to have financial help to start a wellness program. From what I can tell on Grants.gov, any grant opening in 2011 is not listed yet on their website. Dec 15,2010
Does this non-discrimination requirement prohibit a company from giving executives or owners a different health benefit plan then other hourly employees? Dec 11,2010
If a group has HMO/PPO, and the contribution is based on HMO with PPO as a buy-up, how would out-of-state employees be handled as far as contribution goes? Dec 10,2010

About BenefitMall

Healthcare Exchange is powered by BenefitMall and was designed to serve as a platform for exchanging ideas and finding solutions for healthcare. Learn More

Take a tour of BenefitMall’s new Broker Workspace, click here to view an online demo.