Tag Archives: aca

ACA Light

Currently not all employers can afford to provide health insurance to their employees and not all employees can afford to pay their share of the premium for coverage when it is offered. Add to that the following: some employees qualify for individual health insurance coverage at a significant discount through the Marketplace Exchange program which […]

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Compliance Is Not An “Option”

Now that we know that there will not be a swift dismantling of the Affordable Care Act I believe it is time to address the compliance issues currently facing all employers who offer benefits to their employees. The DOL is rumored to have plans to conduct more ERISA compliance audits and we are all at […]

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The Lull Before The Storm

  We have received many questions about the changes that will occur in health insurance coverage with the change in the Administration.  People are most afraid of pre-existing conditions clauses re-applying and they are trying to make the best decisions possible for the January 1 Open Enrollment. Although I have no crystal ball, I think […]

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Ask Not What Your Country Can Do For You…

“Ask not what your country can do for you, ask what you can do for your country.”  These famous words were spoken by President John F. Kennedy during his inauguration and became the rallying cry for millions of Americans who stepped forward to improve society at the time.  Programs like Vista and the Peace Corps […]

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Employee Benefits ~ What Stage is Your Business?

In order for employee benefit programs to be well received they need to be developed with the interests of the employees in mind while meeting the objectives of the firm’s management. Young firms often implement benefits with the intent of attracting employees who are critical to the success of the business and create strategies to […]

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Taxes: Prepare To File An Extension

This year everyone will need to show evidence of health insurance coverage when we file our taxes. Forms 1095-A, 1095-B or 1095-C will need to accompany W-2s and other tax filing documents. All of us will need to be sure that we have the appropriate form to complete our tax filing whether we have coverage […]

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My Parent Has Fallen, What Now?

If we have not already, many of us will soon face our parents’ decline and the resulting decisions that will be required. A fall, a car accident, a hospitalization, each forces us to address our parents’ ability to continue in the lifestyle to which they are accustomed. Most of us prefer our independence and we […]

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Supporting Documentation for Marketplace Policies

Many individuals who enrolled in Marketplace policies during the Affordable Care Act open enrollment period may have received notification that supporting documentation (proof of income/citizenship) would need to be forwarded by a specific date to finalize qualification for subsidies. When required, this information is listed on the formal subsidy eligibility notice which is sent to […]

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I Can’t Find A Doctor Who Will See Me!

We have received phone calls from many individuals who signed up for health insurance through the Marketplace without a broker and are now struggling to find participating providers. Their key question: shouldn’t every provider who participates in a particular network be required to accept all patients enrolled in plans that use that network whether through […]

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More Critical Details

 For those who enrolled on the Marketplace for health insurance and who received a subsidy, please look over the list below. 1-      Those individuals who have health insurance available through an employer are not eligible for a subsidy.  Whether the employer provided plan is good or bad, availability of coverage is one of the knock […]

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