On July 7, 2014 Governor Jerry Brown signed SB 1446 allowing businesses with fewer than 50 employees to continue offering group health plans that are not PPACA compliant through 2015. There are some details that you need to be familiar with. SB 1446 affects policies that: Were in effect on … [Read more...]
Calculating Employer Shared Responsibility Fees
The Employer Shared Responsibility provisions affect companies offering group health benefits. The provisions go into effect in 2015, though to some degree the provision has been pushed off until 2016 for some employers. In 2015 the provision applies to companies with at least 50 FTE's; In 2016 that … [Read more...]
Subject to Employer Shared Responsibility
Businesses differ based on type, employees and their access to alternative healthcare sources, primary location of employees and a multitude of factors. These differences lead to questions of how these differences affect whether or not they are subject to Employer Shared Responsibility (ESR). To … [Read more...]
Employee Shared Responsibility
Believe it or not the ACA is already over four years old (signed into law on March 23, 2010) yet there is still a lot of confusion and uncertainty among benefit managers and in HR departments. Given the number of extensions and misinformation out on the internet it is easy to understand why … [Read more...]
Self Funded Verses Traditional Plans
Understanding Self Funded Verses Traditional Plans One question we periodically receives is in regards to understanding self funded verses traditional plans. To consider your options you have to have an understanding of what self funded plans are. There are many different types of self-funded … [Read more...]
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