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Option For Some To Renew Policies That Do Not Fully Meet ACA Standards

In the fall of 2013, the Department of Health and Human Services (HHS) announced a transitional reliefprogramthat allowed state insurance departments to permit early renewal at the end of 2013 of individual and small group policies that do not meet the “market reform” requirements of the Patient Protection and Affordable Care Act (ACA) and for … Continued

The U.S. Supreme Court and the Future of the Affordable Care Act | PART 1

Amy Coney Barrett was sworn in as President Trump’s third U.S. Supreme Court (Supreme Court) Justice on October 26, 2020, to fill the seat vacated by Justice Ruth Bader Ginsburg’s death. During the contentious confirmation hearings, along political party lines, Justice Barrett was continuously questioned regarding her views on the constitutionality of the Patient Protection … Continued

Status of Court Case Challenging ACA Constitutionality

On January 21, 2020, the U.S. Supreme Court (Supreme Court) declined to hear the court case challenging the ACA’s constitutionality. For now, the case is going back the U.S. District for the Northern District of Texas (District Court) for additional analysis. On December 18, 2019, the U.S. Court of Appeals for the Fifth Circuit (Appeals … Continued

Ask the Experts: Medical Loss Ratio (MLR) Rebates | MI Benefit Advisors

Question: Our company received a rebate check from our health insurance carrier. As the employer, we pay the bulk of premiums, although employees who enroll for coverage do pay a portion of the cost. Are there restrictions on how we can use the rebate money? Answer: Yes, there are restrictions on using the rebate. The … Continued

Is Your Health Plan Affordable for 2019? | MI Benefit Advisors

The Affordable Care Act’s employer shared responsibility provision — often called the employer mandate or “play or pay” — requires large employers to offer health coverage to their full-time employees or face a potential penalty. (Employers with fewer than 50 full-time and full-time-equivalent employees are exempt.) Large employers can avoid the risk of any play … Continued

Affordable Care Act Update | Michigan Employee Benefits Consultants

Recently, the President signed a bill repealing the Affordable Care Act’s Individual Mandate (the tax penalty imposed on individuals who are not enrolled in health insurance). While some are praising this action, there are others who are concerned with its aftermath. So how does this affect you and why should you pay attention to this … Continued

All About Medical Savings Accounts | MI Employee Benefit Advisors

Taking control of health care expenses is on the top of most people’s to-do list for 2018.  The average premium increase for 2018 is 18% for Affordable Care Act (ACA) plans.  So, how do you save money on health care when the costs seems to keep increasing faster than wage increases?  One way is through … Continued

Understanding W-2 Reporting under the ACA | Michigan Benefit Advisors

The ACA requires employers to report the cost of coverage under an employer-sponsored group health plan. Reporting the cost of health care coverage on Form W-2 does not mean that the coverage is taxable. Employers that provide “applicable employer-sponsored coverage” under a group health plan are subject to the reporting requirement. This includes businesses, tax-exempt … Continued