United Benefit Advisors Insight and Analysis Blog

IRS Releases Draft Forms and Instructions for 2018 ACA Reporting

Posted by: Karen Hsu    Sep 27, 2018 1:12:48 PM

The IRS recently released draft instructions for both the 1094-B and 1095-B and the 1094-C and 1095-C and the draft forms for 1094-B, 1095-B, 1094-C, and 1095-C. There are no substantive changes in the forms or instructions between 2017 and 2018, beyond the further removal of now-expired forms of transition relief. There is a minor formatting change to draft Form 1095-C for 2018. There are dividers for the entry of an individual’s first name, middle name, and last name.

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Topics: ACA Advisor, ACA reporting, health care coverage, compliance with health care reform, IRS reporting

Emphasis on Consumerism in Health Care Expected Post 2016 Elections

Posted by: Michael Weiskirch    Jan 4, 2017 11:51:49 AM

I really need to stop spending so much time reading the news. I subscribe to several news aggregators, plus a number of content sources: blogs, industry experts and other publications. I pore through news about politics, world affairs, and information related to HR, benefits, and technology – the field I work in. I sometimes do this (I must admit) while stuck at a stoplight or in line at the store. In all fairness, I do this to keep up on current events and trends impacting my field and my clients’ interests. But I need to stop doing it so much because it can be a huge time waster.

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Topics: health care consumerism, UBA Health Plan Survey, ACA, Obamacare, compliance with health care reform, CDHPs, health care cost

IRS Requests Input on the Cadillac Tax

Posted by: Linda Rowings    Mar 10, 2015 12:00:00 PM

Beginning in 2018, plans that provide coverage that exceeds a threshold will owe an excise tax that is frequently referred to as the “Cadillac tax.” The threshold generally will be $10,200 for single benefits and $27,500 for benefits provided to an employee, retiree, or member of a bargaining unit and dependents. The tax is 40% of the value of coverage provided over that threshold level.

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Topics: compliance, ACA, IRS, compliance with health care reform, HRA, excise tax, Cadillac Tax

The Story Behind Minimal Changes in Plan Designs and Premium Rates

Posted by: Carol Taylor    Oct 29, 2014 9:00:00 AM

By Carol Taylor, Employee Benefit Advisor
D&S Agency, a UBA Partner Firm 

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, small business, dependents, dependent insurance, family insurance benefits, summary of benefits and coverage, SBC

Determining If Dental and Vision Plans Are “Excepted Benefits”

Posted by: Linda Rowings    Oct 16, 2014 9:00:00 AM

By Linda Rowings
Chief Compliance Officer, UBA 

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, small business, dependents, dependent insurance, family insurance benefits

Navigating Narrow or Focused Provider Networks (Part 2)

Posted by: Elizabeth Kay    Oct 14, 2014 3:04:00 PM

By Elizabeth Kay
Compliance and Retention Analyst
AEIS, a UBA Partner Firm

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, small business, dependents, dependent insurance, family insurance benefits

Skinny Plans and Minimum Value: Do these plans really pass the test?

Posted by: Carol Taylor    Oct 10, 2014 2:39:00 PM

By Carol Taylor, Employee Benefit Advisor
D&S Agency, A UBA Partner Firm

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, small business, dependents, dependent insurance, family insurance benefits, summary of benefits and coverage, SBC

What to Include in an SBC

Posted by: Linda Rowings    Sep 10, 2014 3:12:00 PM

A Summary of Benefits and Coverage (SBC) must contain:

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, small business, dependents, dependent insurance, family insurance benefits, summary of benefits and coverage, SBC

Religious Objections to Covering Contraceptives

Posted by: Linda Rowings    Sep 5, 2014 3:06:00 PM

On August 22, 2014, the Departments of Health and Human Services (HHS), Labor, and Treasury released an interim final rule and a proposed rule that provide some new accommodations to employers that have religious objections to covering contraception under their group health plans. The agencies also released a fact sheet on the rules and an alternate form that religious organizations (like religious hospitals, universities and charities) may use.

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Topics: PPACA, health insurance exchanges, employee wellness, retirement, health marketplace, small group employers, Group health plans, private insurance exchange, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, insurance solutions, medical plan, self funded health plans, small business, dependents, dependent insurance, family insurance benefits, religious objections, contraception, religious opposition to contraception

How The Marketing of Health Benefits Has Changed

Posted by: Bill Olson    Sep 4, 2014 12:46:00 PM

By Mathew Augustine, GPHR, REBC
CEO, Hanna Global Solutions

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Topics: employee engagement, benefit communication, benefit consultants, benefit management, compliance with health care reform, employee health, group health insurance, healthcare consumerism, health plan compliance, health reimbursement account, HRA administration, insurance solutions, medical plan, talent retention