In The News

  • Compliance Update | August 17, 2015 | McGohan Brabender

    Click here for PDF AUGUST 15, 2015, COMPLIANCE UPDATE More Cadillac Rules Beginning January 1, 2018, all size employers’ group health plans (grandfathered, nongrandfathered, insured and self-funded) will be subject to the Cadillac tax.  The government continues to issue rules on this 40% nondeductible excise tax. http://bit.ly/1DJJ0FD http://bit.ly/1KhsNnD http://bit.ly/1JIJ757 Some people are predicting the Cadillac tax will just go away.  It certainly is unpopular, but if they take away the Cadillac tax they will have... Read More

  • Compliance Update | July 15, 2015 | McGohan Brabender

    Click here for PDF We know that we have been flooding you with a lot of information the past couple of weeks so we limited this edition of the newsletter to only four topics and two pages. PCORI Fee and Form 5500 Deadline Fast Approaching Employers sponsoring self-funded health plans (including HRAs) have to report and pay the PCORI fee by the end of this month regardless of the plan year or policy renewal date.... Read More

  • Compliance Update | July 1, 2015 | McGohan Brabender

    Click here for PDF   US Supreme Court Issues Two Major Rulings   The US Supreme Court issued two major rulings the week of June 22, 2015, that impact employer sponsored benefit plans. King v Burwell The US Supreme Court (the “Court”) announced the King decision on June 25, 2015. This case involved the premium subsidies under health care reform. By way of background, health care reform provides government subsidies to low- and moderate-income individuals... Read More

  • Compliance Update | June 16, 2015 | McGohan Brabender

    Click here for PDF   US Supreme Court to Rule on ACA Again The US Supreme Court will rule later this month on whether individuals getting their coverage through a federally run health care exchange or marketplace are eligible for government subsidies to help pay for their coverage. www.fas.org It is impossible to predict how the Court will rule.  It would be a relatively easy fix for Congress to remedy the problem.  However, with this... Read More

  • Compliance Update | June 2, 2015 | McGohan Brabender

    Click here for PDF PCORI Fee & Form 5500 The PCORI fee and the Form 5500 are coming due.  The PCORI fee, which is part of health care reform, is a temporary fee to fund and support clinical effectiveness research.  The amount is assessed on health plans but employer sponsored self-funded health plans will have to pay the fee directly.  So if you are sponsoring a self-funded health plan, you need to calculate the fee... Read More

  • Compliance Update | May 21, 2015 | McGohan Brabender

    Click here for PDF Excepted Benefits Under ACA Most health plans are subject to health care reform and, as result, have to comply with a number of rules. For example, most group health plans have to provide unlimited lifetime benefits for a variety of services. However, excepted benefits are exempt from a majority of the health care reform rules. The government has instituted a pilot program where employers can offer part-time employees and retirees limited... Read More

  • Compliance Update | May 1, 2015 | McGohan Brabender

    View pdf EEOC Provides Guidance on Wellness Programs Health care reform encourages employees to adopt wellness programs by increasing the maximum amount of rewards or penalties that can be part of a wellness program. However, the EEOC has put a damper on wellness programs recently by filing lawsuits against employers adopting wellness programs. That is, the EEOC has taken the position that just because the wellness program complies with the rules under health care reform... Read More

  • Compliance Update | February 28, 2015 | McGohan Brabender

    Three State Law Changes in Ohio While everyone is focusing on health care reform on the Federal level there have been three major changes on the state level in Ohio that impact employers sponsoring fully insured health plans. 1. The definition of full-time employee in the small group market in Ohio is changing from 25 hours per week to 30 hours per week. A small group employer under Ohio law is an employer with between... Read More

  • Compliance Update | February 18, 2015 | McGohan Brabender

  • Compliance Update | January 31, 2015 | McGohan Brabender