United Benefit Advisors Insight and Analysis Blog

Implications of the 21st Century Cures Act

Posted by: Danielle Capilla    Feb 1, 2017 9:30:00 PM

On December 13, 2016, former President Obama signed the 21st Century Cures Act into law. The Cures Act has numerous components, but employers should be aware of the impact the Act will have on the Mental Health Parity and Addiction Equity Act, as well as provisions that will impact how small employers can use health reimbursement arrangements (HRAs). There will also be new guidance for permitted uses and disclosures of protected health information (PHI) under the Health Insurance Portability and Accountability Act (HIPAA). We review the implications with HRAs below; for a discussion of all the implications, view UBA’s Compliance Advisor, “21st Century Cares Act”.

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Topics: ACA, premium subsidies, health reimbursement arrangements, HRA, Affordable Care Act, health care cost, 21st Century Cures Act, Qualified Small Employer HRA, insurance premium reimbursement

SCOTUS and the Future of U.S. Health Care

Posted by: Peter Freska    Apr 14, 2015 12:00:00 PM

The Patient Protection and Affordable Care Act (PPACA), commonly referred to as “Obamacare,” was signed into law with the intention of decreasing the number of uninsured Americans and reducing the overall costs of health care in the United States. In order to increase the number of U.S. citizens covered, a number of mechanisms including mandates, subsidies, and tax credits became effective beginning January 1, 2014. The federal health care law also contains many reforms aimed at improving health care outcomes and streamlining the delivery of care. While this reform may be appealing, there are many concerns as to its viability, beginning with the increased number of people covered to effective reduction of health care costs. In the latest arguments for or against PPACA, the Supreme Court of the United States (SCOTUS) heard arguments on the legality of who is able to provide subsidies to those who qualify for subsidies. This lawsuit contends that subsidies are illegal unless a state has set up its own health insurance exchange. The charge is based on wording in the law, which states that subsidies are for health coverage obtained on an “Exchange established by the State under section 1311.”

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Topics: health care reform, premium subsidies, Medicaid, PPACA Affordable Care Act, U.S. Supreme Court, Medicare, single-payer system, Obamacare

The Basics of Premium Subsidies

Posted by: Linda Rowings    Oct 3, 2013 1:48:00 PM

By Linda Rowings
Chief Compliance Officer
United Benefit Advisors

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Topics: health insurance, health insurance exchanges, ACA, health marketplace, UBA, health care reform, PPACA, premium subsidies