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By Danielle Capilla, Chief Compliance Officer at United Benefit Advisors Answer: Under PPACA, coverage is considered affordable if it costs less than 9.5 percent of an employee’s household income. Because employers are often unaware of an employee’s household income, there are three safe harbors that an employer can use to determine affordability. One is the “IRS Form W-2 safe harbor,” and under it coverage is affordable if the employee’s contribution for self-only coverage is less than 9.5 percent of his W-2...

PPACA’s Impact on How CDHPs and HSA's Work Together


What Is COBRA, and Does It Apply to My Business?

POSTED BY ADMIN ON MAR 30, 2016 IN ACA, COBRA, COMPLIANCE ALERTS, COMPLIANCE NEWS, HR BENEFIT ADVISORS BLOG, PPACA, THE BLOG | COMMENTS OFF ON WHAT IS COBRA, AND DOES IT APPLY TO MY BUSINESS?

Question of the Month: How is PPACA’s “IRS Form W-2 safe harbor” regarding affordability calculated?

POSTED BY ADMIN ON APR 2, 2015 IN PPACA | COMMENTS OFF ON PPACA’S IMPACT ON HOW CDHPS AND HSAs WORK TOGETHER


By Bill Olson, Chief Marketing Officer at United Benefit Advisors Employer health savings account (HSA) funding strategies have changed in recent years in response to the Patient Protection and Affordable Care Act (PPACA) and its impact on employer-sponsored health insurance plans. Employers are contributing less, on average, to HSAs and the increase in popularity of cost-saving consumer-driven health plans (CDHPs) has also had a major impact on how employers use these accounts.In 2014, employees saw a 10 percent decrease in their average...

Two PPACA Taxes Might Get the Ax





POSTED BY ADMIN ON MAY 26, 2015 IN PPACA | COMMENTS OFF ON QUESTION OF THE MONTH: HOW IS PPACA’S “IRS FORM W-2 SAFE HARBOR” REGARDING AFFORDABILITY CALCULATED?


POSTED BY ADMIN ON MAY 14, 2015 IN PPACA | COMMENTS OFF ON TWO PPACA TAXES MIGHT GET THE AX

In the earlier days of the Patient Protection and Affordable Care Act (ACA), a common question among employers and benefit advisors was whether there would still be a need for COBRA, the Federal Consolidated Omnibus Budget Reconciliation Act of 1985. Many people speculated that COBRA would be a thing of the past. This was a logical step for those in the insurance industry. When an employee was faced with the option of paying full cost for continued employer coverage or possibly qualifying for heavily subsidized care on the Marketplace, it...

By Jennifer Kupper, In-house Counsel for iaCONSULTING, a UBA Partner Firm Section 9010 of the Patient Protection and Affordable Care Act (PPACA) imposes a fee on each covered entity engaged in the business of providing health insurance for United States health risks. This is known as the Health Insurance Providers (HIP) fee or the Health Insurers Tax (HIT) tax. The first filings were due from covered entities by April 15, 2014, and the first fees were due September 30, 2014. Self-insured plans are not covered entities for the purpose of the...

PPACA