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Small Business Employee Benefits and HR Blog

Top 10 Health Care Reform Articles of 2014

The Affordable Care Act (aka ACA, PPACA, health care reform, ObamaCare) has been one of the biggest health benefits topics of the year. Businesses, health insurance brokers, CPAs, and employees alike have been trying to understand, and keep up to date, on the new regulations. From practical to controversial, here's our top ten health care reform articles. These represent our most read, most commented on, and most shared articles on health care reform in 2014.

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1) The Ultimate Cheat Sheet On Health Reform for Small Businesses

This ultimate cheat sheet provides a quick reference guide for small businesses about how health reform impacts your business and your employees - and how to take advantage of health reform changes to offer more affordable health benefits.

2) Premium Tax Credit Charts - 2015

As part of the Affordable Care Act (ACA), premium tax credits are available to help individuals and families purchase individual health insurance through the Health Insurance Marketplaces. The following premium tax credit charts show eligibility and the amount of the tax credits, updated for 2015.

3) Health Care Reform Requirements by Company Size

The Patient Protection and Affordable Care Act (PPACA), aka health care reform, has different requirements depending on your company size and depending on what type of health benefits you offer. Here is a summary of health reform requirements beginning January 1, 2014 by company size.

4) What CPA's Need to Know About Health Care Reform

The Affordable Care Act (ACA) requires CPAs to be experts on the key provisions of health care reform. For example, tax professionals are going to be required to help clients consider whether it will be more valuable for them to go to a state exchange or a private insurer based on how many FTEs they have. Here's how health care reform affects the role of the CPA.

5) FAQs on the ACA 90-Day Waiting Period Rule

The Affordable Care Act (ACA) mandates that coverage under a group health plan be made available to “otherwise eligible” employees and their dependents no later than 90 calendar days from an employee’s eligibility date. The 90-day Waiting Period provision applies to employers of all sizes and all plan types, including grandfathered plans and self-insured plans. This article provides ten frequently asked questions (FAQs) on the Affordable Care Act's 90-Day Waiting Period rule.

6) Qualifying Life Events for ACA Special Enrollment Periods

This article outlines the qualifying life events (aka "triggering events") that make an employee eligible to enroll in individual health insurance coverage outside of the open enrollment periods - called a special enrollment period. After a qualifying event, enrollees generally have 60 days to enroll in a plan.

7) IRS FAQ Underscores Importance of Compliance with ACA Rules

On May 13, 2014, the IRS posted a new FAQ (the “FAQ”) on Employer Health Care Arrangements. This FAQ addresses Employer Payment Plans as defined in IRS Notice 2013-54 (the “Notice”). While this FAQ is not a new rule, it underscores the importance of ensuring compliance with both the annual limit rules and the preventive care requirements (the "Market Reforms") simultaneously.

8) 2014 Federal Poverty Line (FPL) Guidelines

Under the Affordable Care Act (ACA) households with income between 100% and 400% of Federal Poverty Level (FPL) who purchase coverage through a state health insurance exchange will be eligible for a premium tax subsidy to reduce the cost of coverage. Here's an overview of the 2014 Federal Poverty Line (FPL) Guidelines.

9) Health Care Reform 101 for Small Nonprofits

This article provides answers to the most common questions about how health reform impacts your organization and your employees - and how to take advantage of health reform changes to offer affordable health benefits.

10) 4 Things to Know about HRAs and Health Reform in 2014

Health reform is bringing sweeping changes to the health insurance industry, including how employers can use Health Reimbursement Arrangements (HRAs). Here's four things to know about HRAs and health reform in 2014 and beyond.

What health care reform articles or tools would you like to see in 2015? Leave a comment below.