Healthcare reform

Want to disseminate summary of benefits and coverage materials as required by the Patient Protection and Affordable Care Act on a mobile device?

There is no question that the Supreme Court upholding the Patient Protection and Affordable Care Act in a 5-4 ruling has solidified, for now, the change in the country's health care market that took form when President Barack Obama signed the legislation into law in March 2010.

Are you pessimistic or are you optimistic about the Supreme Court's June decision to basically uphold all of PPACA? What is your plan in this sea of personal and corporate uncertainty?

In the movie armageddon, Earth faces destruction from a giant asteroid on a collision course with our planet before it is saved by the heroic sacrifice of the character played by Bruce Willis. As 2014 hurtles toward us, brokers across the country helplessly search for a savior from the cataclysmic PPACA disaster. "Help us, Supreme Court!" No? Then, "Help us, Republicans!" Maybe. Maybe not.

After the June 28 Supreme Court ruling that found the Patient Protection and Affordable Care Act to be constitutional, many group medical producers felt that their business was over. I want to begin by saying that there has never been more opportunity than there is right now and that there will be for the foreseeable future.

Under health reform, state health care exchanges are slated to operate in 2014 - not much time to figure out the role a broker will play in the system. As we await more definitive information on what exactly constitutes a "navigator," one can look toward California, which is further along in setting up its exchange, as a potential model, says Neil Crosby, director of sales at Westlake Village, Calif.-based Warner Pacific Insurance Services.

With health reform there's a real opportunity for brokers and consultants to truly add value to their client services. It allows them to go above and beyond just the tactical nature of health plans and step up the strategic level of advice and guidance.

While President Barack Obama's open support of same-sex marriage hasn't caused any immediate change in federal law, the 1st U.S. Circuit Court of Appeals in Boston ruled recently that part of the Defense of Marriage Act - which denies federal benefits to same-sex married couples - is unconstitutional and cannot be enforced. Noting that a "Supreme Court review of DOMA is highly likely," however, the 1st Circuit put the ruling on hold.

Last September, after the Patient Protection and Affordable Care Act gave the Department of Health and Human Services authority to review premium rates in states that didn't have strong enough review programs, the agency began handing down decrees of "unreasonable" premium rates for insurers that proposed increasing rates by an average of 10% or more - meaning HHS can publically shame an insurer.

Employers who postponed action on health reform compliance will now be going full tilt to continue meeting the legislation's provisions that take effect this year and beyond. But even larger strategic questions loom over their roles as benefit sponsors.

Ever since the Supreme Court issued its ruling to uphold the Patient Protection and Affordable Care Act in June, family, friends and colleagues have been asking me, "What do you think of the ruling? Is it good? Is it bad? Does it matter?"

After the Supreme Court upheld the so-called individual mandate and substantially all of the Patient Protection and Affordable Care Act following a legal challenge led by my home state of Florida, President Obama hadn't finished his victory lap before the political line was drawn in the sand. The battle is over, but war wages on until the American people take to the voting booth in November. I have a feeling this election year will be an interesting one, and with a front row seat in Florida, I'm going to be tuned in and transfixed.

The Obama administration on Friday said it is on track to set up federal health insurance exchanges by 2014 in U.S. states that fail to establish their own regulated insurance markets as required by the U.S. health care reform law.

Last month's Supreme Court ruling that upheld President Barack Obama's 2010 health care law could save the U.S. government some $84 billion over 11 years, the non-partisan Congressional Budget Office said on Tuesday.

Arthur J. Gallagher & Co. announced on Tuesday that its employee benefit consulting operation, Gallagher Benefit Services, Inc., has launched a private insurance exchange platform.

As California goes, so goes the nation, according to an old axiom. But will optimism about relief from pending health insurance rate hikes for tens of thousands of small businesses in the Golden State spill into other states or be buoyed by the Patient Protection and Affordable Care Act (PPACA)?

Federal health care reform legislation and the desire of employers to limit their health insurance costs are likely to fuel interest in “defined contribution” (DC) health benefits and private health insurance exchanges, according to a new report by the nonpartisan Employee Benefit Research Institute (EBRI).

Employers must be prepared to field employee questions and take appropriate action in the event that health insurance carriers fail to comply with the Medical Loss Ratio threshold under PPACA and must issue “rebates” beginning next month.

Several leading health care advocacy groups are helping advance the use of outcomes-based incentives in worksite wellness or health management programs that are encouraged by the Patient Protection and Affordable Care Act.

Alaska will not set up a program allowing residents to buy health insurance across state lines as envisioned under the Obama administration's new health care law, leaving that task to the U.S. government, Gov. Sean Parnell announced Tuesday.