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health care reform

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Posted by Andy Adams on November 19, 2012 - 1:57pm
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Part 2 assumes that you have determined you qualify as a large employer under the ACA (if you are not sure, go here, for Part 1).

The Basics

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Posted by Andy Adams on November 19, 2012 - 1:34pm
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This is the first part of a continuing series designed to help you diagnose whether your company is going to be forced to pay a penalty under the ACA (aka "Obamacare").  The first question is whether you qualify as a "large employer" under the law.  The law defines that as any employer with more than 50 "full-time equivalent employees."  NOTE the language used there.  "Full-time equivalents" are not the same thing as "full-time employees."

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Posted by Andy Adams on November 7, 2012 - 10:50am
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The last clear chance to disrupt the full implementation of Obamacare slipped by last night.  Depsite the fact that a majority of Americans oppose it, the Affordable Care Act will be fully implemented with occasional modifications as the Secretary for Health and Human Services sees fit. 

WHAT DO EMPLOYERS HAVE TO DO NEXT?

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Posted by Andy Adams on October 22, 2012 - 11:28am
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"If you like your plan, you can keep it!"  The President made that promise over and over again when trying to sell Obamacare to the American people before and even after it was passed.

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Posted by Andy Adams on October 3, 2012 - 9:44am
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Here is something you probably have not heard much about.  Obamacare's 3.8% "Medicare surtax" will take effect in January.  You already pay a 2.9% on your wages (you pay half and your employer pays the other half).  Now, if you have income from interest, dividends, rents, and capital gains, you may take on an additional tax burden.

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Posted by Andy Adams on September 27, 2012 - 1:44pm
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The WSJ highlights the advent of the private exchange.  Two large employers have announced that they transition away from a traditional employer-provided health plan to a private exchange.

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Posted by Andy Adams on September 21, 2012 - 3:52pm
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The Summary of Benefits and Coverage Requirement within the Affordable Care Act (i.e., Obamacare) becomes effective September 23, 2012.  The ostensible purpose of the SBC requirement is to require that benefit information be passed to plan members in an easy to understand format and in a timely fashion.  However, without a doubt it creates an additional administrative burden upon carriers and employers administering group health plans.  

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Posted by Andy Adams on September 17, 2012 - 5:23pm
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According to a nationwide survey, 58% of employers offer a "consumer driven health plan" to employees and their dependents.  Consumer driven health plans are usually characterized by higher deductibles than traditional PPO plans as well as the elimination of co-pays.  In return, the plans are available at lower premiums than traditional PPO plans.

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Posted by Andy Adams on September 12, 2012 - 11:01am
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Spending the morning reading the new 18 page IRS Notice 2012-58 defining full time employees under Obamacare is not ideal.  Doubt me?  You can read them yourself right here.  The ACA broadly defines a full time employee as anyone working more than 30 hours a week.  

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