US Appeals Court Rules Health-Care Law Is Constitutional

CDHC Compliance and Regulatory Health Care Reform

By Brent Kendall

WASHINGTON (Dow Jones)–A federal appeals court in Washington ruled Tuesday that a key piece of last year’s federal health-care overhaul is constitutional, handing the Obama administration another legal victory ahead of the Supreme Court’s likely consideration of the law.

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CMS Cuts Some Slack on HRA Reporting Rules

CDHC Compliance and Regulatory Health Reimbursement HRA

The Centers for Medicare and Medicaid Services (CMS) provided badly needed relief to Health Reimbursement Arrangement (HRA) administrators in an Alert that was issued on Thursday.

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Jobs Bill Would Cap Employer Exclusion and HSA/HRA Deductions

CDHC Compliance and Regulatory Health Reimbursement Health Savings HRA HSA Section 125 Plans

The release of President a Obama's deficit reduction plan comes just a week after the President submitted to Congress the actual text of his proposed jobs legislation.

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New Regulation Requires Health Plan Option Summary in 2012

CDHC Compliance and Regulatory Health Care Reform PPACA

This month, the Departments of Labor and HHS proposed rules for the “uniform summary of coverage” that is required under PPACA. Heath insurers and group health plans (including grandfathered plans) must provide consumers with clear, consistent and comparable information about their health plan benefits and coverage beginning in 2012.

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Survey Says: Some Large Employers Will Consider Dropping Group Health Coverage

CDHC Health Care Reform PPACA

By TOM MURPHY, AP Business Writer

INDIANAPOLIS (AP) — Nearly one of every 10 midsized or big employers expects to stop offering health coverage to workers once federal insurance exchanges start in 2014, according to a new survey from a large benefits consultant.

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Farewell to the ARRA COBRA Subsidy!

COBRA Compliance and Regulatory

The federal COBRA subsidy, first available Feb. 17, 2009, covered 65 percent of the cost of COBRA health insurance premiums for up to 15 months. To qualify for the subsidy, recipients must have originally become eligible for COBRA as a result of an involuntary termination of employment occurring between September 2008 and May 2010.

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May owners of an LLC (usually called "LLC members") participate in the LLC's medical or cafeteria plan and receive employer HSA contributions?

Cafeteria Plans Compliance and Regulatory Health Reimbursement Health Savings HSA IRS Section 125 Plans Taxes

A limited liability company’s (LLC’s) health plans may create special issues with respect to LLC member participation. This is because LLCs may be treated as either a partnership or a corporation (depending on how the LLC has elected to be treated), and for tax purposes the IRC treats partnerships and corporations differently. No IRS guidance specifically addresses the status of LLC members for purposes of health plan participation, including participation in a medical or cafeteria plan.

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CCIIO Issues Guidance on HRAs and Restricted Annual Limit Waiver Process

CDHC Compliance and Regulatory Health Care Reform Health Reimbursement HRA IRS PPACA

On Aug. 19, 2011, the Center for Consumer Information and Insurance Oversight (CCIIO) introduced supplemental regulatory guidance regarding the annual limit waiver application process. Specifically, the guidance clarifies that sponsors of stand-alone HRAs will not be required to seek waivers from PPACA rules that restrict annual dollar limits on the coverage of essential benefits.

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Bill Seek Repeal of OTC Exclusion and End to FSA "Use or Lose" Clause

Last week, Senator Ben Cardin (D-MD) and Senator Mike Enzi (R-WY) introduced S. 1404, the Medical Flexible Spending Account Improvement Act of 2011, a bill that would allow employees to pay taxes on and withdraw any unused funds in their employer-sponsored FSAs at the end of the year.

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HHS Issues Proposed Guidance on State Insurance Exchanges

As you know, every state is mandated to establish its own exchange by Jan. 1, 2014, or have the federal government run a health insurance exchange on its behalf under PPACA.

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Bill Introduced to Repeal OTC Restriction

Yesterday, bipartisan legislation was introduced that would repeal a portion of the health care reform law that prohibits people from using their health FSAs and HSAs to purchase OTC medications.

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U.S. Appeals Court Upholds Controversial Individual Health Insurance Mandate

CDHC Compliance and Regulatory Health Care Reform IRS PPACA State Legislation Taxes

By Jerry Markon, Washington Post
June 30, 2011

A federal appeals court on Wednesday upheld the most contentious provision of the health-care overhaul law, ruling that Congress can require Americans to carry insurance coverage.

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More than 11.4 million Americans now covered by HSA Eligible PLans

CDHC COBRA Compliance and Regulatory Health Care Reform Health Reimbursement Health Savings HRA HSA IRS PPACA Taxes

A release from America’s Health Insurance Plans:

AHIP Urges Policymakers to Prevent Disruption for HSA Policyholders

Washington, DC – More than 11.4 million Americans are covered by Health Savings Account (HSA)-eligible insurance plans, a more than 14 percent increase since last year, according to a new census released today by America’s Health Insurance Plans (AHIP) finds.

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McKinsey warns many employers will drop group health benefits by 2014

CDHC Compliance and Regulatory Health Care Reform PPACA Taxes

CHICAGO, June 7 (Reuters) – At least 30% of employers are likely to stop offering health insurance once provisions of the U.S. health care reform law kick in in 2014, according to a study by consultant McKinsey.

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HSA Contributions and Assets Continue Rapid Growth Curve

CDHC Compliance and Regulatory Flexible Spending FSA Health Care Reform Health Reimbursement Health Savings HRA HSA IRS Taxes

More Americans are using HSAs to save and pay for medical expenses, according to a new report from the J.P. Morgan Treasury Services. The report shows the average HSA balance is up 7 percent from 2009, at $1,494, and the average account contribution rose slightly in 2010 to $1,884, compared to $1,816 in 2009.

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