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  • HIPAA Special Enrollment Rights

    Overview Under HIPAA, special enrollment rights allow eligible employees and/or dependents to enroll in an employer-sponsored group medical plan during the plan year, due to …

  • COBRA

    The right to continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA allows employees and their …

  • Paying the PCORI Fee in 2019 – Plan Years Ending in 2018

    Under the ACA, all medical plans are responsible for paying the Patient-Centered Outcomes Research fee to the IRS, based on the number of plan participants. …

  • Medical Insurance Plan Options Upon Loss of Employer Coverage

    Under the Affordable Care Act (ACA), all U.S. citizens and residents are required to have medical coverage or may owe a penalty when federal income …

  • ERISA Reporting & Disclosure for Welfare Plans

    The Employee Retirement & Income Security Act of 1974 (ERISA) was enacted to protect the rights of participants and beneficiaries in employee benefit plans. ERISA …

  • Transportation Benefits

    A qualified transportation plan allows employees to pay for certain transportation expenses on a tax-advantaged basis. The expenses must be incurred for the purpose of …

  • Medical Loss Ratio (MLR) Rebates for Employers with ERISA Plans

    Each year, some employers with insured plans will receive rebates from carriers that did not meet the medical loss ratio (MLR) requirements for the prior …

  • Wellness Programs – HIPAA Final Regulations

    The DOL issued final regulations in 2013 regarding employer‐sponsored wellness programs that include financial incentives for participation. These regulations clarified and expanded proposed regulations in …

  • IRS FAQs on ACA Provisions and FSA Carryover

    In December 2015, the IRS published Notice 2015-87 providing detailed guidance primarily on the ACA’s impact on several employer-sponsored health care plan design options. Highlights …

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