Essential Health Benefits Defined
The Department of Health and Human Services (HHS) recently finalized rules defining Essential Health Benefits which must be introduced into all health plans beginning January 2014. The final ruling...
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Employer “Pay or Play” Mandate Delayed- What Does It Mean?
On July 2nd, the Obama Administration announced in a Treasury Department blog post that enforcement of the large employer shared responsibility “pay or play” rules and associated reporting requirements...
View ArticleGuidance for Employers Receiving Medical Loss Ratio (MLR) Insurance Rebates
The Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA) took effect in 2011 and requires that health insurers spend a minimum percentage of all premiums received toward medical claims...
View ArticleSmall Business Health Insurance Early Renewal Option
With benefit changes and possible cost increases associated with the Affordable Care Act (ACA) coming in 2014, small employers may find the Early Renewal Option offered by most California health...
View ArticleGray & Troy Insurance Health Care Reform Seminar Videos Now Available
Gray & Troy Insurance Services recently presented Health Care Reform seminars for employers in San Luis Obispo, Monterey and Santa Barbara Counties. Separate presentations were developed for small...
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Covered California Announces Special Enrollment Period for COBRA Enrollees
Covered California today announced a special enrollment period for individuals with Federal COBRA or Cal-COBRA coverage who would like to switch to an individual health insurance plan purchased...
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Employer Reimbursements and the IRS
In a recently published Frequently Asked Questions (FAQs), the IRS addressed the deductibility of employer-sponsored reimbursements for individual health insurance premium policies. Read the full...
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Understanding Preventive vs. Diagnostic Services
Seeing your provider for regular checkups and exams is an important part of staying healthy. Under health care reform, many preventive care services and screenings are covered at no cost to you when...
View ArticleNationwide Health Care Subsidies Upheld by Supreme Court
In a 6-3 decision today, the U.S. Supreme Court ruled that consumers will continue to have the ability to qualify for health care subsidies based on income, whether through a federal or state exchange....
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