Employers Guide to Health Care Reform, 2012-2013 Edition
Employer's Guide to Health Care Reform is the premier step-by-step practical guide for employers struggling to keep up with the rapid pace of changes affecting their health benefit plans. Specifically, it will help you: Grasp every implication of health care reform from the employer's perspective Fully understand even the most complex rules Achieve significant cost savings Meet deadlines and take advantage of opportunities to delay implementation And much more! Written by experts from Ballard Spahr LLP, the 2012-2013 Edition of Employer's Guide to Health Care Reform has been updated to include coverage of the latest health care reform developments, including: A review of the landmark U.S. Supreme Court decision in National Federation of Independent Business v. Sebelius, which upholds the constitutionality of the Affordable Care Act When is a plan a "grandfathered" health plan - and how to keep it that way Whether an employer-sponsored health plan covering solely retirees is subject to the Affordable Care Act design changes, such as the requirement to cover children through age 26 What types of subsidies and tax credits are available right now to employers that provide health coverage to employees Which health plans and benefits are currently subject to new prohibitions on annual and lifetime limits, and what exemptions are available How and when the Affordable Care Act restricts preexisting-condition exclusions When must an employer-sponsored health plan provide full coverage for preventive health services without cost-sharing What are the consequences of offering health plan coverage to children up to age 26 What are the new claims and appeals processes mandated by the Affordable Care Act for health plans What additional changes to health plan design are going to be required beginning in 2014 How will employer-sponsored health plans need to change their employee communications to address the Affordable Care Act requirements What new types of reporting will be required for health plans What is the "individual mandate" to enroll in health coverage Which employers will have to pay a penalty if they do not provide adequate and affordable health plan coverage How employers can determine whether their coverage is adequate and affordable What is a health care Exchange, and how will it affect the U.S. health care system What states will need to do to set up a health care Exchange How the Affordable Care Act affects retiree prescription drug coverage under Medicare Part D and how the changes create new opportunities for employers How and when the new nondiscrimination rules apply to insured health benefits, and what are the consequences of discriminatory coverage Which employer-sponsored health plans are subject to auto-enrollment and when do the rules go into effect What are the new FormW-2 reporting requirements for employer-sponsored health plans and when do they go into effect When health care flexible spending accounts (Health FSAs) and health savings accounts (HSAs) may and may not pay reimbursements for over-the-counter medicines and drugs And much more