Indiana Group Health Narrow Networks

When it comes to health care and group health insurance, Hoosiers have always preferred PPO networks which allow the member to choose which medical provider they want to receive treatment from.  With any group health plan, Indiana employees have demanded that they could choose their medical providers.  This is starting to change because the cost …

Indiana Recovers Medicaid Tax Under the ACA

Indiana was one of six states to file a lawsuit against the Affordable Care Act’s health insurance provider fee (HIPF) for State Medicaid plans. The U.S. District Judge ruled in favor of the plaintiffs, Texas, Indiana, Kansas, Louisiana, Wisconsin & Nebraska’s that the government must pay back $840 Million in Obamacare fees. What is the …

Indiana Association Health Plans (AHPs)

The Department of Labor released their final rule on the creations of Association Health plans. There has been a great deal of criticism and misinformation in the media.    The DOL final rules provide the guideline for setting up association health plans.  These plans would be governed by both State and Federal guidelines.  The Employee …

2016 Group Health Insurance

The Affordable Care Act (ACA) is close to full implementations for employer-sponsored group health plans. The ACA has had mostly negative impacts on the small group market for Indiana and the rest of the country.  Any group under 50 lives, now has no underwriting for fully insured coverage. This has created large rate increases for …

Large Group 6055 & 6056 Reporting

Under the Affordable Care Act reporting obligations for large employers, is about to get complex. There are 2 new sections of the IRS code that every controller, accountant, broker, & insurance company are trying to understand. 6055 & 6056 In my own words, I will try to explain what the codes are and why they are …

Who Pays the ACA Related Costs for Group Plans?

A topic that will likely be addressed at your next next health insurance renewal meeting is likely going to be: Who will pay the Affordable Care Act related fees? Will it be the employees, employers… or both? Let’s find out more about what each of these ACA fees are and how much they will cost …

Moving Employees To Guaranteed Issue Health Plans

Is it legal to move an employee from my group health plan to the a guaranteed issue individual plan? This is a big question with a lot of money on the line for employers and insurers. During open enrollment (October 1, 2013–March 31, 2014), anyone could have purchased a health plan either on or off …