Category Archives: Health Reform

Health Reform

Will the Cadillac tax be another threat to employer-sponsored coverage?

Posted on by HPA

For employers, the reasons keep stacking up. Reasons to drop health insurance, that is. No, it hasn't happened yet, but many employers have yet to feel the pain of all these new changes. We've written extensively about these in the past, but here's a quick refresher: The Family Glitch: Due to the ACA's weird definition of "affordable," empl... (read more)

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Baby or not, Obamacare has you covered

Posted on by Eric Johnson

As most people know by now, the Affordable Care Act created a number of changes in the individual health insurance market. Not only are all plans now guaranteed issue with no pre-existing condition exclusions, limitations, or surcharges, individual health policies now cover all essential benefits as well. That means that conditions like matern... (read more)

This entry was posted in Benefits, Health Reform. Bookmark the permalink.

HPA quoted in BenefitsPro article about how the market could soon be changing

Posted on by HPA

Though the Affordable Care Act was passed over five years ago, the challenges to the massive health reform law continue. Media outlets today, for instance, are reporting on the compromise GOP budget that could lead to a speedy repeal of the ACA. Of course, the President is certain to veto any bill that would undo his signature health care law,... (read more)

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Calculating the Premium Cap

Posted on by Eric Johnson

Last June, we published a post in which we explained how to calculate the premium cap for the benchmark plan (the second-lowest-priced plan in the silver level of the individual marketplace) for people with different household incomes. The ACA gives us the break points - the percentage of household income that families would pay at 133%, 1... (read more)

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Hillary’s presidential bid will keep health reform front-and-center

Posted on by Eric Johnson

We just finished the ACA's second open enrollment period. The individual mandate is in its second year, and uninsured individuals just paid their first individual mandate penalties. The employer mandate is now in effect. Most of the big stuff is done - implementation of the Affordable Care Act, while not complete, is well on its way. But if... (read more)

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Coverage could get expensive for small groups

Posted on by Eric Johnson

When the ACA was signed into law five years ago, many people expected small employers to drop their group health coverage and send their employees to the individual market. And some have, but we haven’t seen a huge percentage of small employers make this decision…..yet. There are two primary reasons companies might choose to stop offeri... (read more)

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King v. Burwell – And now we wait…

Posted on by Eric Johnson

Last week, the Supreme Court finally heard oral arguments in the King v. Burwell case, which will decide the legality of delivering premium tax credits through the Federally Facilitated Marketplace. Though the Justices have already met to vote on the case, we’re unlikely to hear the results for several months, probably at the end of June. ... (read more)

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King v. Burwell – Tomorrow’s the Big Day!

Posted on by Eric Johnson

After months of waiting, we’ll finally get to hear the arguments tomorrow in the King v. Burwell Supreme Court case that challenges the legality of delivering government subsidies through the Federally Facilitated Marketplace. And while a lot of people – both brokers and consumers – might be nervous about the outcome of the case, they do... (read more)

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Republican Replacement Plan Includes Government Subsidies

Posted on by Eric Johnson

After nearly five years of “repeal and replace” talk, we now have a glimpse at the Republican proposal to replace the Affordable Care Act if the Supreme Court tosses out the premium tax credits in the 37 states that failed to create their own exchange. Drafted by Senator Orrin Hatch, Representative Fred Upton, and Senator Richard Burr, the... (read more)

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King v. Burwell – the lobbying has begun

Posted on by HPA

If agents didn't have such a vested interest in the King v. Burwell case, it would make for great theater. While the justices are supposed to look at the facts in the case and decide whether Congress intended for the premium tax credits and cost-sharing subsidies to be available through states using the Federally-Facilitated Marketplace or not... (read more)

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