Health Care Reform for Large Employers
Introduction 3
Notice and Disclosure Requirements 4
Plan Design and Coverage Issues:
Prior to 2014 9
Plan Design and Coverage Issues:
2014 and Beyond 11
Wellness Programs 16
Health Plan Fees 17
Employer Obligations 19
The health care reform law, the Affordable Care Act (ACA), has many complex requirements for employers and health plans. Many employers are starting to focus more attention on the ACA’s rules and, as a result, have more questions than ever.
This Health Care Reform Toolkit is your one-stop guide for upcoming health care reform concerns. The Toolkit is designed to help you address health care reform issues, topic by topic, step by step. Each section of the Toolkit focuses on a single subject and includes:
An executive summary;
An action checklist to help you take the appropriate actions to achieve compliance; and
A list of supporting documents that King Agency can provide upon request.
The Health Care Reform Toolkit will continue to expand and be updated as new regulations are released. As these changes are announced, please contact King Agency to request an updated copy.
What is a small employer?
The health care reform law doesn’t have a consistent answer for that. An employer might be considered small for one rule but not another. For this Toolkit, a small employer is one that has fewer than 50 employees.
Most of the sections in this guide apply to these small employers.
Notice of Exchange
Who is Covered?
When?
Employers subject to the FLSA
A future date to be specified in regulations
Employers must provide all new hires and current employees with a written notice about ACA’s health insurance exchanges (Exchanges). This requirement was originally effective March 1, 2013, but has been delayed until final regulations are issued. In general, the notice must:
Inform employees about the existence of the Exchange and give a description of the services provided by the Exchange;
Explain how employees may be
Notice and Disclosure Requirements 4
Plan Design and Coverage Issues:
Prior to 2014 9
Plan Design and Coverage Issues:
2014 and Beyond 11
Wellness Programs 16
Health Plan Fees 17
Employer Obligations 19
The health care reform law, the Affordable Care Act (ACA), has many complex requirements for employers and health plans. Many employers are starting to focus more attention on the ACA’s rules and, as a result, have more questions than ever.
This Health Care Reform Toolkit is your one-stop guide for upcoming health care reform concerns. The Toolkit is designed to help you address health care reform issues, topic by topic, step by step. Each section of the Toolkit focuses on a single subject and includes:
An executive summary;
An action checklist to help you take the appropriate actions to achieve compliance; and
A list of supporting documents that King Agency can provide upon request.
The Health Care Reform Toolkit will continue to expand and be updated as new regulations are released. As these changes are announced, please contact King Agency to request an updated copy.
What is a small employer?
The health care reform law doesn’t have a consistent answer for that. An employer might be considered small for one rule but not another. For this Toolkit, a small employer is one that has fewer than 50 employees.
Most of the sections in this guide apply to these small employers.
Notice of Exchange
Who is Covered?
When?
Employers subject to the FLSA
A future date to be specified in regulations
Employers must provide all new hires and current employees with a written notice about ACA’s health insurance exchanges (Exchanges). This requirement was originally effective March 1, 2013, but has been delayed until final regulations are issued. In general, the notice must:
Inform employees about the existence of the Exchange and give a description of the services provided by the Exchange;
Explain how employees may be