Washington policy update: August 2019 Benefits and Compensation Bulletin

IRS offers new options for stand-alone HRAs, including one that can be used to purchase individual health insurance

Posted by Robert Davis, Christine Drager, and Maria Moliterno on August 26, 2019.

Following enactment of the Affordable Care Act (ACA) of 2010, the IRS issued a series of rulings generally preventing employers from offering stand-alone HRAs (Health Reimbursement Arrangements) that active employees could use to purchase health insurance in the individual market, or pay other out-of-pocket medical expenses. But new regulations that will become applicable in 2020 will offer employers two new alternatives—the Individual Coverage HRA (ICHRA) and the Excepted Benefits HRA—that employers can use to provide stand-alone HRAs to active employees if certain conditions are met.
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Should you appeal a health insurance exchange notice?

Should you appeal a health insurance exchange notice?

Posted by Jerry Karlin and Jamie Gross on September 07, 2016.

Many of our clients have reached out to us about notices they have received from public (federal or state) health insurance exchanges. The notices inform employers about employees who have qualified for subsidies to purchase coverage through the exchange, and give employers the chance to appeal this determination. To appeal, employers have to demonstrate they have offered “affordable” coverage that provides “minimum value” to the employee. The question we’re hearing from clients: Should I respond to the notice?

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Do you have—or are you considering—a private health care exchange strategy?

A thorough strategy should consider populations and HR service delivery implications


Posted by Jill Korsh, and Frank Giordano on January 14, 2016.

Many organizations are considering or have adopted a private insurance exchange (PIX) strategy. According to a 2015 Deloitte Center for Health Solutions survey, employers that have adopted private insurance exchanges (online marketplaces where participants can select health insurance) are positive about their choice. The majority of these adopters believe it simplifies their role, makes it easier to offer a defined contribution approach, and improves access to broader physician/hospital networks.
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