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Top 10 COBRA Mistakes

June 1, 2014

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires that employers provide former employees and dependents who lose group health benefits with an opportunity to continue group health insurance coverage for a limited period of time. Compliance with the complex rules regarding COBRA coverage can be difficult and mistakes can be costly. Penalties for …

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The DOL and HHS Issue Clarifying Guidance Regarding COBRA

May 1, 2014

On May 2, 2014, the DOL released proposed regulations, which would amend the COBRA notice requirements to reflect changes made by the ACA. The DOL also released updated versions of the model general notice and model election notice under COBRA, which reflect that the Exchanges are now open, and which better describe special enrollment rights …

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ACA-Final Pay or Play Mandate

March 1, 2014

The IRS recently issued final regulations on the Affordable Care Act’s employer shared responsibility rules (“pay or play” mandate). The employer mandate generally requires applicable large employers to offer health coverage to their full-time employees or be subject to penalties. Review details (PDF) on this mandate and how it may affect you as an employer.

Michigan to Allow Health Insurance Carriers to Reinstate Canceled Policies

November 8, 2013

Michigan Department of Insurance and Financial Services (DIFS) Director, Ann Flood, announced that Michigan will allow health insurers to reinstate canceled policies. Note – health insurance companies are not mandated to reinstate policies and many major Michigan health insurers are not processing reinstatements. Please read the below announcement from the DIFS.,5269,7-303-12902_35510-279964–,00.html  

ACA and Small Group Health Plan Cancellations – Not So Easy

November 1, 2013

Bob Laszewski, an expert in health care reform, provides insight into ACA’s impact on smaller employers and how dropping group health insurance coverage for their employees is not as easy as it sounds. Read his blog for more information.

FAQ on Marketplaces

September 8, 2013

As the deadline to get health insurance marketplace notices out to employees looms, there are still a lot of questions about how these operate. Check here (PDF) to see answers to many common questions.

Health Insurance Marketplace Notices due Oct. 1st

September 1, 2013

As required by the Affordable Care Act, employers must provide part-time and full-time employees with a notice regarding the Health Insurance Marketplace by October 1, 2013 and new hires must receive this notice within 14 days of the start date of employment. Please see the below for Model Exchange Notices Notice for Employers that Offer …

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The Honor System?

July 15, 2013

According to Bob Laszewski, a leading anaylyst regarding health care policy, health insurance exchanges will be granted the honor system – meaning that insurance exchanges can mostly rely upon the applicant’s statement regarding their income versus requiring proof of income. This issue leads to the question – is there something wrong with the Federal Data …

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IRS Issues Formal Guidance on Employer Mandate Penalties Delay

July 8, 2013

On July 9, 2013, the Internal Revenue Service (IRS) issued formal guidance on the Employer Mandate Penalties Delay. See Notice 2013-45 as well as our Legislative Brief (Link didn’t work) for more details. The delay does not affect any other provision of the ACA, including individuals’ access to premium tax credits for coverage through an Exchange.

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