Healthcare plans

Although open enrollment for ACA plans is not set to begin until November 15, a new report estimates that nearly 7 million adults may be able to enroll through special enrollment periods.

Commentary: Benefit advisers hoping to maintain satisfied clients after the first open enrollment period should avoid these common bad behaviors that could cost accounts in the long run.

Employers are seeking help from benefit brokers and advisers as health care costs have them searching for alternatives to the current system of health care delivery.

Employers and employees more than ever need the help of their trusted adviser to communicate in plain language the complexities of today’s health care landscape.

Employers who fail to issue a timely COBRA notice could face huge fines, as evidenced by a recent court case in the state of Nevada.

Employers say in 2015 they will continue to shift toward offering CDHPs, but many need adviser help to engage employees in better health care decisions and understand the benefits of a private exchange.

In an effort to raise money for Colorado’s state health insurance exchange, the board responsible for securing its financing has levied a new fee on all insurance policies issued in Colorado, including those sold off of the exchange.

Amidst further rollout of the ACA’s provisions, researchers expect more employees to enroll in their employer-sponsored health plan for 2015 — a surge benefit advisers should be preparing employers to manage.

Vermont has cut ties with the vendor of their health insurance exchange, CGI, after continued complaints and errors with the online portal — a 'debacle' further exacerbated by the fact benefit brokers and advisers have mostly been left out of the loop.

As the country’s demographics continue to shift, employers are facing changes in the makeup of their workforce, according to a report from the Council of Economic Advisers. With those changes come new benefits needs for working families. Brokers can help their clients keep up with these evolving requirements and expectations.

Commentary: Pharmacy benefit managers and benefit brokers keep a watchful eye for profit-seekers looking to take advantage of loopholes in the health care delivery system.

Benefit advisers working with small to mid-size employers to boost benefit participation can focus on cost-saving measures and enrollment and education activities that larger companies are more inclined or able to invest in.

Benefit advisers hoping to stay ahead of the trend of employers transferring some of the burden of increased health care costs to their employees, should be prepared to discuss a variety of new and old cost-sharing strategies, as well as additional cost-saving tools.

Commentary: Benefit advisers and their employer clients continue to have questions about private exchanges. Blogger Dan Garlitz shares some recent FAQs fielded by exchange administrator bswift.

The IRS released draft forms for employers to use to report health coverage offerings to employees, unveiling a glimpse of the administrative onus in store for benefit advisers and their employer clients working to comply with the health law.

The move to a private exchange could be difficult for employees who generally are not accustomed to making benefits plan decisions for themselves, or who balk at the potential of an increased out-of-pocket burden. It’s incumbent upon employers to guide them through the transition to help them accept the idea that having more power and choice is a good trade-off to taking on more risk.

Employees are increasingly dissatisfied with their benefits, and therefore dissatisfied with their employers, but new research shows better benefits education can help.

Two court rulings issued this week taking opposing views on the legality of subsidies granted to individuals who enroll in the public health care exchanges have the potential to further delay the employer mandate, say some legal experts.

As some brokers continue to wait for their payments, it seems no one carrier is better or worse at this issue across the U.S. What is clear is that advisers who previously worked in group need to learn a new system to track and monitor commissions.

In another blow to President Barack Obama’s signature legislation, a three-judge panel on the D.C. Circuit Court of Appeals has ruled in favor of the plaintiff, declaring the law’s premium subsidies are invalid in more than two dozen states due to the law’s specific language.