Pay or Play Delay

In a shocking development, the Obama Administration announced it will be delaying the controversial employer mandate provision of the Affordable Care Act until 2015.  This section has received significant pushback from the business community because it requires businesses with more than 50 full-time equivalents to offer health insurance coverage or face a series of penalties.  The delay will give employers another year to figure things out and punts the mandate until after the 2014 election.

Assistant Treasury Secretary Mark Mazur wrote on the department’s website

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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New Exchange Guidance

HHS releases final rule on insurance exchanges.
The Centers for Medicare and Medicaid Services (CMS) is proposing standards for insurance exchanges under the Affordable Care Act.   In a proposed final regulation released on Friday, June 14th 2013 the feds outlined these new programs.  Understanding how they work is important because they will be the place where individuals small companies can purchase health insurance once fully implemented.  They must also become a part of your vocabulary as a small business owner because they are the mechanism that could trigger penalties for businesses over 50 not offering acceptable coverage according the ACA.

What is a health insurance exchange aka marketplace?  Click this video for an explanation in less than one minute and listen to this segment of America’s Healthcare Challenge for a comprehensive breakdown.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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Sen. Grassley on Healthcare Reform Implementation

U.S. Senator Charles Grassley (R-IA) is one of the most influential Members of Congress and was the person Sean worked for during his time in Washington. In his capacity in the Senate, Mr Grassley has served as Chairman of the Senate Finance Committee where he was a principal author of the Medicare Prescription Drug Benefit and he was also a lead negotiator for health reform before it took a partisan turn.  As the Ranking Member of the Senate Finance Committee during the passage of the Affordable Care Act he was a lead negotiator of the law and knows it well.  He also is close friends with Senator Baucus (D-MT) who was his partner on the Committee and recently made headlines for suggesting implementation of the law is a train wreck.  Mr. Grassley joined Sean McGuire on America’s Healthcare Challenge.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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Five Can’t Miss Segments From AHC

Active is in, America.  Listen to this week’s episode of America’s Healthcare Challenge with Sean McGuire featuring the latest from inside the beltway on the  IRS scandal and how it will apply to ACA implementation. If you are short on time and looking for the facts about Obamacare and it’s implementation check out AHC.  Follow us on Twitter @AmericasCanary for the latest.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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A Few Facts About Obamacare

 

Are you short on time and looking to educate yourself with some of the facts about Obamacare?  Here are a few items you need to know right now.

30 Is the New 40

A small, but important, detail for employers to understand is how a full-time employee is classified under the ACA.  The answer is that a full-timer works 30 or more hours per week over a period of 90 days.  In the U.S., the 40-hour work week has long been a standard for full-time, but not anymore.  Remember, under the ACA, 30+ hours is full-time, not 40.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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Who Are the Uninsured?

A person is considered uninsured in America if, for various reasons, they go three months or more without coverage.   Below are some common characteristics to make it easier to determine whether or not an individual is uninsured.  Remember, covering the 46 million uninsured in the U.S. healthcare system was the main focus of the Affordable Care Act.

•Employment is an important variable, particularly when looking at employment by industry, firm size and income of the worker. Seasonal and lower wage companies are less likely to offer insurance.  Employees of small and blue collar workforces are more likely to be uninsured because they likely cannot afford the cost of coverage.  Smaller companies are also less likely to offer insurance.  Coincidentally, these are the same industries facing challenges under this law.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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ACA Jeopardy

Are you an owner of a small business wondering what is in actually in the healthcare act?

The following are some things your business must first consider when trying to figure out how the Affordable Care Act (ACA) will impact your situation. The time to act is now because the ACA has placed increased responsibility on certain employers to “pay or play” when it comes to offering employees health insurance.  Are you confused yet?

Your Obamacare summary begins now.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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Exchange and SBC Notification

You may remember the first compliance requirement in the law for businesses was to begin in March of 2013.  The feds delayed it because they did not know what to tell people.  Here is an update we found.  According to the Department of Labor’s website more information will come out this summer.  They now say:

“The Department’s commitment to a smooth implementation process includes providing employers with sufficient time to comply and select an applicability date that ensures that employees receive the information at a meaningful time. The guidance further stated that the Department expects the timing for distribution of notices will be the late summer or fall of 2013, which will coordinate with the open enrollment period for the Marketplace.”

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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Pay or Play?

The President discussed healthcare reform implementation at length during his news conference last week and this is critical for your business because he directly mentioned the new exchange application and this document alone could trigger penalties for applicable large employers (those over 50).  Those who are in favor of Obamacare repeal often cite this part of the law.  It has caused significant heartburn for businesses of all sizes.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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The IRS Under Fire

Everybody’s favorite agency of the federal government, the Internal Revenue Service (IRS), is under Congressional investigation and has the lowest approval rating and perception of trust in its 100-year existence.   The White House is dealing with a tri-fecta of scandals at the moment and this one has serious staying power.  The public has always been skeptical of this agency and this investigation will need to provide some clarity or the scandal will be exacerbated.

The accusation is unfair targeting of 501-C (4) political organizations based on political belief by exclusively targeting words like tea party or patriot in applications.   The House Ways and Means Committee held a hearing last week and heads have already rolled.  The old commissioner was relieved of duty two months before they were scheduled to retire and the new boss was already been up on Capitol Hill answering questions.

SeanMcGuire

Sean McGuire was working for the U.S. Senate Finance Committee when the thoughts of healthcare reform began over six years ago, and unlike many who actually voted on the Affordable Care Act, has read the law several times. He is the founder of E.D. Bellis a healthcare consultancy and host of America's Healthcare Challenge. To hear Sean speak contact info@edbellisinc.com.

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