PPACA's Employer Mandate Delayed Again

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Lisa Zamosky interviews President Obama

Lisa Zamosky, WebMD healthcare reform expert and content author of the on-demand training available in the Health Benefits Explained library, recently interviewed President Obama.

The President answered your health care reform questions about rising costs of employer plans, why some plans have high deductibles, the Medicaid expansion, and more.

Watch the full video interview on WebMD.com

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Was this information helpful? We hope so. Check SageCanHelp.com regularly to find more up-to-the-minute legislative information, as well as guidance on all things ACA. Also review the available downloads below for more resources from Sage to help your employees as well as your company.

PPACA Acronym List
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PPACA's Employer Mandate Delayed to 2015

ACA-Related Updates HR Departments Need to Know

The Affordable Care Act continues to change and evolve, and HR professionals need to continuously update their knowledge of the ACA for employee benefits management. Here are three of the latest ACA developments that HR departments must understand:

Penalties for Moving Sickest Workers to Exchanges

Many employers have chosen to ask their heaviest healthcare coverage users to go on the health insurance exchanges next year to find coverage. According to Kaiser Health News, employers have been asking benefits consulting firms about this strategy for some time, as it can mean lower healthcare costs for employers and can often benefit the workers who purchase their own plans through the marketplace. Many employers have even looked into health savings accounts (HSA) or health reimbursement arrangements (HRAs) to help workers purchase plans and pay their premiums.

This was a gray issue for some time, and the Internal Revenue Service has ruled that this strategy is not in compliance with the ACA's mandates. According to the IRS, employers can't dump workers on the exchanges and then provide them with tax-free cash to fund their healthcare coverage because these employer payment plans are considered group health plans, which need to comply with healthcare reforms. In short, the funds need to be taxable. Employers that don't comply with this ruling could receive a $100 a day penalty for each employee. Companies that still want to ask workers to go on the exchanges can instead up employees' pay, which is taxable, according to The New York Times.

Developments in Reporting Requirements

There are also updates on the reporting requirements for employers. The IRS and the U.S. Treasury Department issued two reporting documents in particular that provide employers guidelines on the minium essential healthcare coverage that need to be reported. The Information Reporting of Minimum Essential Coverage rule offers information on this for those companies covered under section 6055 of the Internal Revenue Code. The second rule, Information Reporting by Applicable Large Employers on Health Insurance Coverage Offered Under Employer-Sponsored Plans, is for those covered under section 6056 and 4980H of the same code.

New COBRA Notification Requirements

The Consolidated Omnibus Budget Reconciliation Act (COBRA) remains in effect, and employers need to comply with both COBRA and the ACA. Employers need to provide workers who lose their health coverage through the company with new COBRA general and election notices so they know they have the ability to go on the marketplace to receive health coverage, according to an article in Lexology.

Available downloads

New year, new concerns: 10 ACA issues to track in 2014

Download this white paper to learn more about the important issues Brokers/Employers need to keep an eye on in 2014 as implementation of the Affordable Care Act (ACA) unfolds.

Sage Healthcare Advisory Services

Download the Sage Healthcare Advisory Services Spec Sheet.

Health Benefits Explained Library

PPACA's Employer Mandate Delayed to 2015

Access to training, tools, and more

The Affordable Care Act (ACA) is bringing significant changes to the healthcare system—and causing quite a few headaches. Your employees are going to have more questions than ever about their benefits—lots of questions—and researching and answering them is going to take valuable time for you while possibly resulting in a loss in productivity for a number of your employees.

Sage is ready to help you understand the avalanche of information coming your way with its new Health Benefits Explained Library.

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My Workforce Analyzer

Now you have the power to track and analyze your company information so you can make the informed decisions necessary about healthcare and the Affordable Care Act (ACA) requirements.

Through My Workforce Analyzer, you'll have the ability to analyze your employee hours to determine if you qualify as a large employer.

  • Determine coverage affordability
  • Explore the pay-or-play decision (offer coverage or take the penalty)
  • Examine employee time required to monitor and manage part-time and full-time eligibility.

All this at the touch of your fingers powered the Sage Source platform you can trust.

My Workforce Analyzer

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allCheck from BenefitMall is a pay or play calculator designed to provide a report summarizing estimated results – potential penalties or tax credits based on responses to a short survey.

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Sage Employer Resources features thousands of pages of employee benefits and human resources-related content about topics that every business needs to know, including health care reform. Plus, there's no additional cost for access for Sage Business Care Gold customers.


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