Health and wellness

In a major 5-4 ruling on religious freedom, the Supreme Court of the United States Monday ruled that religious rights of two Christian company owners trumped the rights of its employees to receive full contraceptive coverage promised by mandates in the Affordable Care Act.

“The majority of Americans, including many small business owners, are still confused about the health reform legislation,” according to Health Partners America, a broker training and education organization. Here are 10 FAQs about the Affordable Care Act and its implications for small businesses.

While many brokers consider leaving the industry in response to the changing health care environment, most agree that reform has created a huge opportunity for advisers willing to adapt.

The U.S. Department of Health and Human Services’ Thursday announcement that consumers already enrolled in marketplace plans in 2014 can auto-enroll for 2015 is largely positive for brokers, though the decision is symbolically unsettling to some.

Benefit broker and former lawyer David C. Smith breaks down this question that has been somewhat controversial in the past few months, yet he says has a very clear answer.

The National Business Group on Health this week recognized 63 U.S. employers for their continued efforts in promoting healthy work environments and encouraging employee wellness.

Although some employers are considering and even implementing a private exchange option for their employees, many remain skeptical of the immaturity of the marketplace and employee readiness.

Wondering if your wellness program is delivering the goods or just delivering good profits to your vendor? Intel and GE’s joint venture Validation Institute will tell you. Think of it as a new sheriff in the wild west of wellness ROI, armed with science and a calculator.

Either way, benefit firms are consolidating and it’s important for brokers and advisers to evaluate their options and find the right fit for their agency.

In a final rule published today, the U.S. Departments of Labor, Treasury and Health and Human Services say employers can require employee orientation periods to become eligible for health benefits, but say they cannot last longer than one month.

Road to Workplace Benefits Mania: Ahead of the July conference, keynote speaker Ben Geyerhahn previews his strategy for brokers to mitigate health costs — Medicaid migration.

A nearly 7% spike in health care costs in 2015 can be attributed to a revitalized economy, the modernization of health care technology and the drastic increase in specialty drug use.

The ACA has increased incentives for employees to quit smoking, but employers are wondering where e-cigarettes fit into the equation.

More than four years before the Affordable Care Act was signed into law, a county government in the state of Washington took action on its skyrocketing health care costs, becoming one of the first counties in the country to tie out-of-pocket health care expenses to participation in wellness activities.

As the Affordable Care Act continues to necessitate the evolution of the benefit adviser’s role with individual and employer clients, knowing about the tax ramifications of the health law is a must.

The UnitedHealth Group Inc. executive whose Optum division helped states and the federal government fix Obamacare health exchanges will become second-in- command at the agency that runs the U.S. program.

How a father and daughter benefit broker team worked together to launch a private insurance marketplace that serves small and mid-size businesses as well as other local advisers.

Early health plan rate filings for 2015 signal premium rate hikes that could force individuals to consider switching plans. Confused consumers will be looking for help from benefit brokers and agents well-versed in plan options.

How the ACA has drawn attention to vision care coverage and prompted employers to ask advisers about this voluntary benefit.

As business leaders and government officials cope with surging health care costs, one global think tank is estimating that up to $303 billion can be saved through a healthier workforce should chronic disease prevention efforts in the workplace become the norm.