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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

Look Backward to Plan Forward | Michigan Employee Benefit Advisors

We have entered Open Enrollment season and that means you and everyone in your office are probably reading through enrollment guides and trying to decipher it all. As you begin your research into which plan to choose or even how much to contribute to your Health Savings Account (HSA), consider evaluating how you used your … Continued

Managing Employees in the Gig Economy | Michigan Employee Benefits

Understandably, some employers (and employees) have mixed feelings about the gig economy. While many enjoy the freedom gained and overhead saved, others miss office camaraderie and routine. No matter your position, research shows that the trend isn’t going anywhere anytime soon. By 2021, 9.2 million Americans will work on-demand jobs, and so employers need to … Continued

Final Rule on Short-Term Limited-Duration Insurance | Michigan Benefits Advisors

On August 1, 2018, the Internal Revenue Service, the Department of Health and Human Services (HHS), and the Department of Labor (collectively, the Departments) released a final rule that amends the definition of short-term, limited-duration insurance. HHS also released a fact sheet on the final rule. According to the Departments, the final rule will provide … Continued

6 Reasons Self-Funded Plans Are Gaining Popularity | MI Benefit Advisors

Since the ACA was enacted eight years ago, many employers are re-examining employee benefits in an effort to manage costs, navigate changing regulations, and expand their plan options. Self-funded plans are one way that’s happening. In 2017, the UBA Health Plan survey revealed that self-funded plans have increased by 12.8% in the past year overall, … Continued

DOL Updates the Employer CHIP Notice | Michigan Benefit Advisors

The U.S. Department of Labor (DOL) has updated the model notice for employers to use to inform employees about the Children’s Health Insurance Program (CHIP). All employers with group health plans are required to distribute a CHIP notice at least once a year to employees living in certain states. There is no need to send … Continued