Your Source for Health Reform

Topic: Employee Health Benefits

Although 70% of working-age people work for an employer that offers health insurance, the actual benefits offered to employees vary. The ACA now requires large employers to offer employees affordable, minimum essential coverage. Meanwhile, the type of coverage employers offer has evolved, with some now providing wellness programs and health incentives.

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Tax Considerations for Employer Group Health Insurance

This 2014 fact sheet from the Small Business Health Collaborative describes how employees can use a Section 125 payroll deduction plan to make contributions to a group health plan on a pre-tax basis.

Employee Choice in Illinois

The ACA requires state exchanges of the Small Business Health Options Program to offer an employee choice model which allows an employee to select from among different plans and carriers in a plan tier determined by the employer; and it allow some other models to be offered as well. This May 2012 report by the Wakely Consulting Group for the state Department of Insurance explains in detail the considerations involved in structuring the various models. The employee choice element of Illinois’ SHOP has been delayed until 2016.

Premium Incentives for Wellness in the Workplace

In this February 2012 from the Robert Wood Johnson Foundation, Georgetown University researchers discuss how employers are increasingly turning to workplace wellness initiatives to curb rising health care costs and the growing prevalence of chronic conditions. (more…)

The ACA and Worksite Wellness

This June 2011 fact sheet, provided by the Public Health Law Center at the William Mitchell College of Law, answers some common questions regardin the ACA’s impact on worksite wellness programs, including the effect on existing laws, new funding, and provisions for evaluation of wellness programs.

Workplace Wellness and ACA Requirements

This HHS report from the discusses the effectiveness of wellness programs and rewards, the impact of such wellness programs on the access to care and affordability of coverage for participants and nonparticipants of such programs, the impact of financial incentives on participant behavior.

ACA Wellness Program Incentives at Work

The ACA offers incentives to employers in order to create healthier work spaces. This fact sheet from the Department of Labor gives information on what both employers and consumers can do to promote wellness at work.

Pediatricians on Breast Pump Coverage

This letter from the Illinois Academy of Pediatrics to an to an insurer encourages them to play a role in promoting this prevent service. (more…)

Deep Dive Into Employer Rules and Penalties

This March 2013 webinar by GCG Financial covers the rules and penalties for larger employers under the Affordable Care Act.

Benefit Value of Medicare vs. Typical Large Employer Plans: 2012

This April 2012 Kaiser Family Foundation study compares the value of Medicare’s fee-for-service benefits last year with the value of benefits in two large employer health plans – a large health plan serving federal employees and a typical large employer preferred provider organization plan.

Key Trends in Employer-Sponsored Health Insurance: Illinois

SHADAC’s June 2011 state-level summary table of key ESI characteristics.

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