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The latest useful materials on how health reform is affecting Illinois, to help you navigate the changing landscape.


RESOURCES FOR YOU

 Q:   List of Qualified Health Plans on the Illinois Small Business (SHOP) Marketplace This spreadsheet lists all Qualified Health Plans on Illinois' Small Business Health Options Program. QHPs are listed by county, with sample premiums for individuals and families. The SHOP is Health Insurance Marketplace for employers with less than 50 FTEs. (For all qualified individual and family plans, see this page.)

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 Q:   Worksheet to Determine Your FTE Employees This worksheet, produced by a benefits and payroll vendor for small businesses, helps employers calculate the number of full-time equivalent employees they have, which will determine some ways the ACA will apply to them. A three-step process, explained in plain language, shows how to add together full-time, part-time and seasonal employees to determine how many FTEs work for a company.

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 Q:   Small Business Tax Credit Q&A: FTEs and Average Annual Wages The IRS recently issued this set of questions and answers to clarify definitions of types of employees and average annual wages. It also answers questions about tax credits, employee hours of service, and who is or is not an employee for purposes of tax credit eligibility.

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 Q:   ACA Tax Provisions This mini-site from the IRS addresses how the Affordable Care Act tax provisions will affect individuals and families, employers, and organizations. The law's tax-related provisions include financial assistance options for individuals and families, including the premium tax credit, the individual shared responsibility provision and exemptions from that provision, as well as provisions for employer and others. The IRS administers the tax provisions included in the law.

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 Q:   The ACA: Improving Incentives for Entrepreneurship and Self-Employment This policy brief estimated that the number of self-employed Americans would be 1.5 million higher in 2014 because of the Affordable Care Act. Beginning next year, access to high-quality, subsidized health insurance coverage will no longer be exclusively tied to employment, which could lead people to pursue their own businesses as self-employed entrepreneurs. (more…)

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 Q:   Post DOMA Impact on Medicaid This fact sheet describes the changes to the program flowing from the Supreme Court’s historic ruling. It explains the changes starting in 2014 if your state recognizes your marriage; if you are in a civil union or registered domestic partnership and your state recognizes your relationship; and if you live in a state that doesn’t recognize your relationship. (more…)

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 Q:   Small Business Engagement in the SHOP This study, prepared in August 2012 by the University of Illinois School of Public Health for the Illinois Department of Insurance, examined the environment for developing the state's health insurance exchange for small business. (more…)

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 Q:   Small Business Provisions of the ACA

This July 2013 fact sheet from the federal Small Business Administration details the provisions of the Affordable Care Act that will help small businesses by lowering premium cost growth and increasing access to quality, affordable health insurance. It also linkts additional resources from the IRS, the Department of Labor, and HealthCare.gov.

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 Q:   SHOP Application Form for Small Businesses CMS released sample SHOP applications that small businesses will use to apply for coverage. The print application forms are for small businesses that cannot apply online, and are not working with a broker. Small businesses working with a broker will need to apply online, so they can enter their broker ID and NPN number. There are two print versions of the SHOP application: this one for the small business employer, and another one for employees.)

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 Q:   SHOP Application Form for Small Business Employees CMS released sample SHOP applications that employees of small businesses will use to apply for coverage if they are eligible to get SHOP health coverage from their employer. (There are two print versions of the SHOP application: this one for the small business employee, and another one for the small business owner.)

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 Q:   Infographic: ACA Impact on Self Employment This infographic by the Robert Wood Johnson Foundation shows how the ACA is estimated to significantly increase the number of people who start their own businesses. 1.5 million additional people are expected to become self-employed because of protections or benefits offered by the act. The ACA relieves "job lock," when people stay in jobs because their health insurance coverage is tied to their employment status.

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 Q:   Land of Lincoln - Illinois' "CO-OP" Slides from a presentation held in April 2013 on the new Land of Lincoln insurer, Illniois' first and only Consumer Operated & Oriented Plan, or CO-OP. (more…)

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 Q:   ACA 101: What It Means for Small Businesses These are slides from a webinar the Small Business Administration presented in 2013 entitled "Affordable Care Act 101: What The Health Care Law Means for Small Businesses." The presentation covered the basics of the act and what it means for small business owners, including insurance reforms, the small business health care tax credit, the health insurance Marketplaces (also known as “Exchanges”), and the nature and scope of the employer shared responsibility provisions.

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 Q:   Help Is At Hand: New Health Insurance Tax Credits in Illinois April 2013 Report by Families USA  which takes a closer look at the premium tax credits in Illinois, which will help Illinoisans with incomes up to four times the federal poverty level ($94,200 for a family of four in 2013) afford coverage.

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 Q:   QHP Guidance from Illinois DOI This guidance issued in March 2013 by the Illinois Department of Insurance gives a checklist and criteria for Qualified Health Plans to be certified on the Illinois health insurance exchange. Plans had be submitted to DOI by April 30, 2013 to be certified for open enrollment in October.

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