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The president signed The CARES Act into law on Friday March 27th

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Category: Cafeteria Plans, FSA, Health Care Reform, HRA, HSA,

This law has many important components, one of which permanently reinstates coverage of Over the Counter (OTC) drugs and medicines as items eligible for reimbursement under Code 213(d) expenses in FSA, HRA, and HSA plans. With this law, the drugs and medicines will no longer require participants to have a prescription to prove eligibility. In addition to the reinstatement of OTC eligibility, the bill expands the eligible OTC definition to include menstrual care products (i.e. tampons, pads, etc.).

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COVID-19 - Important Update

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Category: COBRA, Compliance and Regulatory, Health Care Reform, HRA,

As we continue to monitor developments and consider American Benefits Group’s response and contingency plans in the context of the coronavirus developments, our priority is the safety of our employees and ensuring our ability to continue to service our clients’ needs.

Our Critical Response Group is composed of leaders and subject matter experts across our business lines. This group is meeting daily to assess the impact across our business and in our communities, advise the executive management, develop and deploy actions.

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Congress Passes “Cures Act” Allowing Stand-Alone HRAs for Small Employers

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Category: Compliance and Regulatory, Health Care Reform, Health Reimbursement Arrangements, HRA,

On Dec. 7, 2016, the US Congress passed HR 34, called the “21st Century Cures Act” (Cures Act). The Cures Act legislation will permit small employers (those with fewer than 50 full-time employees during a calendar year who are not subject to the employer mandate) who do not offer a group health plan to provide a qualified small employer health reimbursement arrangement (QSEHRA).

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DOL and HHS Release Key FAQs on Implementation of The Affordable Care Act

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Category: DOL, Health Care Reform, HHS,

Set out below are additional Frequently Asked Questions (FAQs) regarding implementation of the Affordable Care Act. These FAQs have been prepared jointly by the Departments of Labor (DOL), Health and Human Services (HHS), and the Treasury (collectively, the Departments). Like previously issued FAQs (available at http://www.dol.gov/ebsa/healthreform/ and http://www.cms.gov/cciio/resources/fact-sheets-and-faqs/index.html), these FAQs answer questions from stakeholders to help people understand the new law and benefit from it, as intended.

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Important Affordable Care Act Deadline: Employee Notices of the Health Insurance Marketplace (Exchange) Due by October 1, 2013 (copy)

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Category: CDHC, COBRA, Compliance and Regulatory, DOL, Health Care Reform, IRS, PPACA, Taxes,

On May 8, 2013, the Employee Benefits Security Administration of the U.S. Department of Labor (“DOL”) issued Technical Release No. 2013-02 (“Release”) providing important guidance under the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Reconciliation Act of 2010 (“Affordable Care Act”), with regard to the requirement that employers provide notices to their employees of the existence of the Health Insurance Marketplace (“Marketplace”), previously referred to as the “Exchange.”

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What To Do Now? Re-forming What We Know About Health Care Reform

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Category: CDHC, Compliance and Regulatory, DOL, Health Care Reform, PPACA,

By Justyn Harkin, Communications Specialist, The Jellyvision Lab

Wow, did someone get the license number from that truck? My head is spinning. I mean, one moment I was just minding my own business, peacefully thinking about clever ways to explain coverage options to employees, and the next—major changes to key provisions of the ACA!

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ACA Employer Mandate is Delayed Until 2015

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Category: CDHC, Compliance and Regulatory, DOL, ERISA, Health Care Reform, HHS, PPACA, Taxes,

The Affordable Care Act (ACA) employer mandate provision has been delayed until 2015. This news was announced July 2, 2013 by the ​US Department of the Treasury on behalf of the Administration.

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Important Affordable Care Act Deadline: Employee Notices of the Health Insurance Marketplace (Exchange) Due by October 1, 2013

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Category: CDHC, COBRA, Compliance and Regulatory, DOL, Health Care Reform, IRS, PPACA, Taxes,

On May 8, 2013, the Employee Benefits Security Administration of the U.S. Department of Labor (“DOL”) issued Technical Release No. 2013-02 (“Release”) providing important guidance under the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Reconciliation Act of 2010 (“Affordable Care Act”), with regard to the requirement that employers provide notices to their employees of the existence of the Health Insurance Marketplace (“Marketplace”), previously referred to as the “Exchange.”

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DOL Releases Model Notice and Guidance on PPACA’s Exchange Notice Requirement

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Category: Compliance and Regulatory, DOL, Health Care Reform, PPACA,

On May 8, 2013, the DOL issued Technical Release No. 2013-02, which includes temporary guidance and a model notice relating to the notice to employees of coverage option (known as the “Exchange Notice”) requirement under PPACA. As background, PPACA requires employers subject to the FLSA to provide each employee with a written notice that describes information about the state health insurance exchanges (also referred to as “marketplaces”), including the availability of premium tax credits and the implications relating to purchasing coverage through the exchanges.

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The ACA – What you need to do NOW

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Category: CDHC, Compliance and Regulatory, DOL, ERISA, Health Care Reform, IRS, PPACA, Taxes,

By Robert J. Lowe

The Patient Protection and Affordable Care Act includes many requirements applicable to employer group health plans. Some of these requirements are already effective but some of the most significant requirements will become effective in 2014. Employers should now be considering what they need to do to comply with ACA requirements that will become effective in 2014.

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Clarification by Treasury and IRS Relaxes Election Change Rules

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Category: Cafeteria Plans, CDHC, Compliance and Regulatory, Health Care Reform, HHS, IRS, PPACA, Section 125 Plans,

So employers and employees can take advantage of the health insurance Exchanges starting January 1, 2014, regulators issued some exceptions to the permitted election changes rule for cafeteria plans.

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ObamaCare signals big role for Health Savings Accounts


Category: CDHC, Compliance and Regulatory, Health Care Reform, Health Savings, Health Savings, HSA, IRS, PPACA, Taxes,

contributed by: Dan Perrin, Executive Director of the HSA Coalition

Despite getting clobbered in the fiscal cliff negotiations, Republicans have something to celebrate this year - the survival of health savings accounts, or HSAs. They had feared

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Consumer Engagement Is The New Healthcare Reality


Category: Cafeteria Plans, CDHC, Flexible Spending, FSA, Health Care Reform, Health Reimbursement, Health Savings, HRA, HSA, PPACA, Section 125 Plans,

Every so often it seems another round of surveys is released demonstrating the strong, continual growth of the consumer-directed health care (CDHC) market and the accompanying behavioral shift in how Americans approach buying health care. This month has

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So you've got an HSA, now what do you do with it?


Category: CDHC, Health Care Reform, Health Savings, HSA, IRS,

By Beth Pinsker Gladstone
NEW YORK | Thu Oct 11, 2012 9:30am EDT

NEW YORK (Reuters) - If your company tells you it's replacing your health insurance with a high deductible plan paired with a health savings account - or adding that option to your

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