Exchange Posts

California and Association Health Plans

November 28, 2017

Just a few decades ago, small businesses in California often banded together to buy health insurance on the premise that a bigger pool of enrollees would get them a better deal. California’s dairy farmers did it; so did car dealers and accountants. But after a string of these “association health plans” went belly up, sometimes in the wake of fraud, state lawmakers passed sweeping changes in the 1990s that consigned them to near extinction. Read More

Five Health-Care Fights Facing Congress in December

November 28, 2017

Health-care issues are at the top of Congress’s hefty December to-do list. Republicans spent much of the year on a failed bid to repeal and replace ObamaCare. That’s left several programs and taxes hanging in the balance as the year draws to a close, in addition to the latest health-care drama thrust into the GOP tax-reform debate. Read More

Sign-Up Pace Slow in Third Week of 2018 Obamacare Enrollment

November 28, 2017

 The pace slowed in the third week of enrollment for 2018 Obamacare individual insurance as nearly 800,000 people signed up through the federal government website, down about 75,000 people from the previous week, a U.S. government agency reported on Wednesday. Read More

IRS Sending ACA Enforcement Notices to Employers

November 21, 2017

Since 2015, applicable large employers (ALEs) have been required by the Affordable Care Act (ACA) to offer their full-time employees (and their dependent children) health coverage or face a section 4980H(a) or (b) employer shared responsibility payment (ESRP).*  (For some employers, transition relief delayed this mandate.) Also since 2015, ALEs have been required to prepare, furnish, and file IRS Forms 1094/1095-C. These forms provide the IRS with data it needs to determine if an ALE owes an ESRP. However, while employers addressed these mandates by spending several years grappling with new administrative challenges and worrying about potential penalties, it did not appear that the IRS had actually assessed any ESRPs. That situation just changed. Read More