Between 2008 and 2015, the proportion of employers with fewer than 10 employees providing health insurance dropped by over one-third while the proportion of employers with 10 to 24 employees dropped by a quarter.
At least 21,000 Americans have died waiting to enroll in Medicaid, thanks in part to the expansion of the ACA government healthcare program, based on research reported by the Foundation for Government Accountability (FGA).
The tax-reform provision repealing the penalty on those who refuse to participate in ACA has freed millions of Americans to escape a system that exploits them.
This week (3-20-18) the ACA bill is again up for spending review and is also in a tussle with health insurers. The administration may pad the omnibus spending bill with enough cash to preserve the law through the 2020 election but there are no assurances of a fix anytime soon.
Some in Washington feel that today we are closer than ever of sending ACA to the ash heap of history and opening the door for much-needed market-based solutions to health insurance.
An analysis from The Center on Budget and Policy Priorities says that funding the ACA’s cost-sharing reduction (CSR) subsidies in Congress’s upcoming omnibus spending bill would “do more harm than good.”
New Analysis Charts Outperformance of State-Run ACA Marketplaces. The 17 states that currently administer their own ACA marketplaces perform better than the federal marketplace, according to a new The Commonwealth Fund analysis.
The administration proposed budget for FY19 includes $47.5 billion for DHS for "strengthening border security, ensuring enforcement of immigration laws, and reforming the legal immigration system.
Insurers May Now Charge Higher Premiums to Seniors. The administration would like to see the ACA market to reign in some features, such as allowing insurers to charge higher premiums to older people.
The nation’s biggest health insurer will pass drug maker rebates along to some customers starting in 2019, giving a potential break to those taking expensive prescriptions.
Up to 75% of insurance companies’ premium income goes toward paying claims. That’s why reducing the cost of claims processes offers insurers the best opportunity to impact their bottom lines.
The Administration voted on 2-20-18 to allow health insurers to sell lower-cost, less-comprehensive medical plans as an alternative to those required under the ACA program. Insurers would have to make clear that the plans, which could last for less than 12 months, would be liberated from the ACA’s benefit and other mandates.
Efforts of Congress to repeal the ACA don’t yet affect the IRS’ stance will support the law until the repeal is resolved. The result is that all affected employers must file 1095-C reporting forms and provide copies to employees by the IRS deadlines, or face the consequences.
How closely did you read the packet of paperwork on your first day of work? Or the contract that came with your cellphone? Chances are good that you unknowingly signed away your access to the courts.
In January the Cal/OSHA Standards Board approved a new regulation that requires hotels and other lodging establishments (such as resorts and bed and breakfast inns) to implement new rules to protect employees who perform housekeeping tasks from any "musculoskeletal injury."
A recent drug-testing firm has published a white paper, Economic Value of Drug Testing in the Workplace for Health Payers & Employers.
Congressional Repeal of ACA’s Individual Mandate Leaves A Number of Lawmakers Examining Replacement Measures.
Funding for a health insurance program for children - the Children’s Health Insurance Program (CHIP) - arose as an offshoot of discussions in Congress on the budget.
Three Giants’ Envision Using Technology to Cut Costs & Replace Insurers / Drug-benefit Carriers
Harassment Training Regarding Gender Identity, Expression and Sexual Orientation.
Effective January 1, 2018, employers with 20 to 49 employees are now required to allow qualified employees to take unpaid leave as much as 12 weeks to bond with a new child.
Because employees have the right of freedom to make their own reproductive health decisions without interference from their employers, this law is required by law to be included in all Employee Handbooks and used in training.
Do not allow any government entity, and specifically DO NOT ALLOW the Customs & Immigration Service, or U.S. Homeland Security to obtain or review your records UNLESS provided a Notice of Inspection.
2018 brought in numerous new laws that every California employer must understand and implement. These laws are not optional and must be followed to avoid costly penalties or potential legal consequences.
The White House is proposing changes that would allow millions of small businesses and the self-employed to buy health-insurance plans that don’t comply with all ACA requirements through regulatory action.
Big Issues to Watch: How will the national budget reconciliation be treated - will it go back to the existing law or move on to welfare reform & will they use it for both, or nothing?
The sweeping 2018 tax bill approved on Wednesday, December 20th, will repeal the individual mandate in 2019, which could potentially take millions of people out of the health insurance market.
Some legislators feel that a bipartisan ObamaCare insurer fix will be added to a government funding bill this week (Dec. 18-22), potentially setting and is still being hotly debated.
The debate surrounding the pending repeal of the Affordable Care Act’s centerpiece requirement that most people get insurance or pay a penalty is alive and well.
As consumers become responsible for increasingly larger portions of their health care costs, some are reducing their consumption of medical services in an effort to contain the financial impact.
Congress is headed for a showdown on whether to insert several pressing health measures in year-end bills.
With the rapidly evolving political health care landscape, many medical schools are becoming more interested in applicants' understanding of health policy and health care reform.
The House is poised to pass tax reform on 11-17-17; the Senate draft includes a repeal of ACA's individual mandate. Is this an attempt to deny Americans health insurance?
Considerations on the ACA status may include a repeal defining that most Americans must have insurance coverage as part of their tax-overhaul package.
When consumers shop for Affordable Care Act plans starting Nov. 1, what they find depends on their individual circumstances.
Heading into the 2nd week of the ACA’s annual open-enrollment period, early sign-ups and traffic appear strong, report industry and government officials.
As Congress began retooling the tax proposal in pursuit of a final version that can pass a Congressional vote, the House suggested using their sweeping tax bill to repeal the ACA's individual mandate.
ACA mid-level plan premiums could be increasing 34 percenton average next year, according to a recent analysis by a national consulting firm.
When you invest in professional liability E&O coverage, you protect your business and reputation against lawsuits.
The Administration's recent executive order, which will expand health-insurance options for individuals battered by rising premiums and fleeing insurers, depends upon others to clear the way. While the executive order represents progress, Congress still needs to act.
The administration plans to sign an executive order Thursday (10-12-17) to initiate the unwinding of the ACA and may advance sweeping changes to health-insurance regulations by instructing agencies to allow the sale of less-comprehensive health plans to expand.
The White House is putting the finishing touches on an executive order that would expand health care options and allow individuals to band together and buy insurance beyond their state lines.
The ACA plan premiums may increase an average of 45 percent in Florida next year due to health care insurers rate hike requests, according to Florida's Office of Insurance Regulation.
There will be a shutdown of healthcare.gov, (the website consumers use to sign up for the Affordable Care Act), for 12 hours on nearly every Sunday of the coming ACA enrollment season.
Reviving the repeal of the Affordable Care Act: ACA faces a last-ditch attempt to pass legislation striking much of the 2010 health law would set “block grants” of federal funding for each state to use for health care, including the Medicaid program for the poor.
Legislation on Wednesday, 9-13-17 to repeal and replace major portions of the ACA with a system of block grants, is submitted as a first step towards making good on a seven-year House promise.
On 9-13-17 a single-payer health bill was proposed designed to embrace a bigger government role in health care. Single-payer refers to a government-run health insurance system, though details can vary. the bill would create a national Medicare-like insurance system and eliminate most out-of-pocket costs for individuals.
Predictive modeling is effective as a risk assessment tool in personal insurance, but acceptance in commercial insurance has been relatively slow, even for small commercial. When an insurance carrier hesitates to integrate predictive modeling, it’s usually results from a lack of resources or understanding about how to build an effective model.
As of March 2017, about 10.3 million people signed up and paid for coverage on the ACA exchanges. The next enrollment period begins Nov. 1, 2017 and lasts 45 days. HHS officials said there is no evidence the ads have boosted enrollment in the past.
Consumers spend most of their money on necessities, especially housing and health care. The brick-and-mortar retail industry is in crisis. For many old-line retailers, sales and market share are plunging fast.
Single-payer health care is a controversial idea in the U.S., but a majority of physicians now support it.
Recent debate over federal payments to insurers under the (ACA) related to cost-sharing reductions for low-income enrollees in the ACA’s marketplaces is alive and well.
A bipartisan group of health policy experts offered a proposal on 8-9-17 to stabilize the ACA’s fragile insurance markets, a blueprint intended to foster lawmakers working 'across the aisle'.
There is uncertainty in the health-insurance marketplaces as insurers around the U.S. try to make decisions about rates and participation for next year amid open questions about changes that could come from the administration and Congress.
Some senators favor a proposal to largely repeal the Affordable Care Act, with a two-year expiration date so lawmakers can craft a replacement. Some feel this would create chaos in the insurance markets; others could allow a vote on the measure.
In an effort to win over GOP holdouts Senate Republican leaders released a revised health-care plan Thursday providing an added $70B to stabilize insurance exchanges over a decade.
Human Resource Management (HRM) has a big opportunity to help lead the transformation to a digital enterprise.
After facing insurmountable opposition from four Republican senators, the Affordable Care Act repeal bill will be replaced by an effort to repeal the law without a replacement.
Once viewed as a support function that delivered employee services, HR is now being asked to help lead the digital transformation sweeping organizations in the US and worldwide. We see this change taking place.
Driven by the widespread adoption of cloud HR systems, companies are investing heavily in programs to use data for all aspects in workforce planning, talent management, and operational improvement. People has now gone mainstream.
The Senate Republican health care bill would guarantee immediate assistance for insurance markets that are struggling in many states. Yet overall it would do the same thing as its House counterpart: less federal money for health insurance and a greater likelihood that more Americans will be uninsured.
On June 22, 2017, Senate Republicans unveiled a draft version of their healthcare reform bill "H.R. 1628." The 142-page draft bill could go to a vote as early as this week.
The Republican plan to replace the Affordable Care Act would save the government billions over the next 10 years, but leave 14M people without insurance in 2018 compared with current law, an analysis by the nonpartisan Congressional Budget Office.
Nearly two million individuals enrolled in Obamacare plans through state exchanges dropped their coverage through mid-March, according to a Center for Medicaid and Medicare Services report released Monday evening.
The AHCA is like having a baby ...It's not here yet, but it's coming. ANTI-AHCA PUSH - Eight major groups announced national events hoping to bring together patients, providers and advocates to warn the Senate against repealing the Affordable Care Act.
Obamacare markets are undergoing a slow-motion meltdown as a climate of uncertainty. Most insurers have announced plans to exit the marketplaces, which leaves Obamacare customers nationwide with potentially no options for purchasing subsidized coverage in 2018.
The Trump administration and House of Representatives Monday asked a federal court for another 90-day delay in a lawsuit over Obamacare insurance subsidies, undermining the future of the health care marketplaces as insurers look for certainty from the government before committing to offer coverage next year.
A report on May 24, 2017 reveals that the House ObamaCare replacement bill will be rewritten regardless of a much-anticipated audit set for release Wednesday afternoon
A congressional audit released Wednesday, May 24, 2017, found the House’s recently passed ObamaCare overhaul bill will lower the average cost of premiums but that 23 million fewer Americans would be uninsured under the plan by 2026.
There are many insurance carriers today and figuring out which one to choose can be daunting. Here are a few approaches you can use to learn which one fits your company the best.
Some states offer short-term disability protection through a combination of employer and employee contributions, but not all. Other states leave employees without comparable protection unless their employers provide it as a benefit.
The Revised House Republican health bill follows a philosophy that “Insurers and markets, rather than government” are empowered to find ways to provide affordable health insurance to a broad set of Americans.
House Republicans on Thursday narrowly approved a sweeping health care bill aimed at fulfilling an overturn of ObamaCare
Exciting things are happening at TelePay Insurance. Let us share some important news with you.
Did you know that even though 44% of working adults surveyed say their current job has an impact on their overall health, only 28% said that impact is positive?
Today’s business can be susceptible to lawsuits, big fines, and headaches in areas they take for granted.
The California Workers' Compensation Insurance Rating Bureau is filing a proposed rate reduction for California workers' compensation insurance "pure premium" rates on average to become effective July 1, 2017.
To help you keep up to date on what’s happening with ObamaCare we provide the latest ObamaCare information that affects you, your family and your business.
Though the proposed American Health Care Act (AHCA) to repeal and replace the Affordable Care Act has passed through three key committees, we await full House and Senate review of the AHCA). The new law will change insurance for just about everyone; the way depends on whether Americans opt for company insurance, use Medicaid, or buy a private plan.
The Department of Labor (DOL) issued changes that substantially increase the minimum salary requirement for the executive, administrative, and professional employee exemptions, under the Fair Labor Standards Act (FLSA).
What is disability income insurance and what are the considerations for employers who are evaluating offering or sponsoring disability coverage for their employees?
On March 6, 2017, the proposed new legislation to repeal and replace the Affordable Care Act was published and was named the American Health Care Act.
Verify you are paying all employees at least the Applicable Minimum Wage. And be aware of what city or county your employees are working in - because there are differing minimum wages, as well as paid sick leave rules, in dozens of California cities and some counties.
Several bills relating to workers’ compensation were signed into law in 2017: AB 2883, SB 1167, & AB 1785
As of 2-10-17: Republicans presented several plans for review. President Donald Trump has signed an executive order designed to minimize the economic burden of the ACA while Congress works to repeal and/or replace it. The key to the repeal and replace efforts fall on the Secretary of Health and Human Services (HHS) Tom Price who was confirmed as the Secretary of HHS on 2-9-17.
We know that since 2010, the Affordable Care Act has insured more than 12 million Americans. Some of those covered are very happy and others are not. Regardless of this scenario, 2017 brings in a new administration and changes are anticipated. So, what does that entail?
Small business owners, employees and consumers are struggling to understand the coverage, networks, and costs in the new year. Below are the latest guidelines and three changes to coverage in 2017
The Affordable Care health insurance landscape may look completely different in 2017. It is highly unlikely that any material changes will happen for the 2017 coverage year (for which Open Enrollment is taking place now.) But there will be changes and we don't know yet how or when they will take place.
Health insurance premiums on the Affordable Care Act’s marketplaces (also called exchanges) are expected to increase faster in 2017 than in previous years because:
Los Alamitos, CALIF. – DECEMBER 1, 2016 – For the second year in a row, TelePayroll, a family-owned and managed company providing payroll, HR, and employee benefits solutions to expanding companies seeking cost-effective and reliable payroll and human capital management services, today announced, the firm earned recognition on the 2016 Inc. 5000 list.
IRVINE, CALIF. – JANUARY 20, 2015 – Don Dressler Consulting, a national leader in human resources, risk management solutions, and architect of www.CalWorkSafety.com, announces its collaboration with Telepayroll, Inc., a stronghold in providing payroll, HR and employee benefits services to large and small companies through expansion and growth phases, effective January 20, 2015.