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Health Care Reform

Keep up to date on breaking Health Care Reform News & Information

This is going to be a busy year for health care reform The Horton Group will keep you up to date with all the changes and how it will be effecting you, your business and your employees.

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Employer Analysis Tool

Keep up to date on breaking Health Care Reform News & Information

Now there is a tool to help employers analyze how various health reform changes will affect their business.

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The Horton Group Risk Management Center

The Horton Group & Network Safety Consultants

The Horton Group is pleased to announce the availability of a comprehensive safety and risk management software suite.

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Health Group Captives

Cost Control Through Transparency

The Horton Group will be launching a new healthcare captive purchasing strategy that will allow businesses to control their second largest business expense: employee health benefit plan costs ultimately affecting their bottom-line.

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Workshops & Seminars

Workshops designed to keep professionals current

Horton Workshops are designed to keep busy professionals current on a range of insurance related topics. The Horton Group engages some of the brightest minds in the country to help you fine-tune your professional skills and assist in achieving your organizational goals.

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Understanding Employer Reporting Requirements of the Health Care Law

Posted February 10, 2015
Getting ready: Monthly tracking To prepare for 2016, applicable large employers need to track information each month in 2015, including: • Whether you offered full-time employees and their dependents minimum essential coverage that meets the minimum value requirements and is affordable. • Whether your employees enrolled in the self-insured minimum essential coverage you offered. (See glossary on back.) You need to track this information because you could be subject to an employer shared responsibility payment if either:  • You offered coverage to fewer than 70% (for 2015; after 2015 this …

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IRS Releases Final Forms and Instructions for ACA Reporting

Posted February 08, 2015
On Feb. 8, 2015, the IRS issued final forms and instructions for Section 6055 and 6056 reporting.Final instructions provide a new option for some ALEs reporting information for nonemployees. Although these forms are not required to be filed for 2014, employers may voluntarily file in 2015 for 2014 coverage, using these forms and instructions.  On Feb. 8, 2015, the IRS released final versions of forms and instructions that employers will use to report information about the health plan coverage they …

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IRS Releases Figures for Determining Individual Mandate Penalty Cap in 2015

Posted January 29, 2015
IRS Rev. Proc. 2015-15 provides the 2015 monthly national average bronze plan premium.This amount serves as the cap for any penalty owed under the ACA’s individual mandate.In 2015, the individual mandate penalty is capped at:$2,484 per year for each individual; and$12,420 per year for a family with five or more members. In 2015, the monthly national average premium for bronze-level QHPs is $207 per individual and $1,035 for a family with five or more members. The Affordable …

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For Employers: Healthcare Reform and your 2014 Tax Filing

Posted January 23, 2015
The Affordable Care Act (ACA) created new reporting requirem ents under Internal Revenue Code (Code) Section 6056. These new reporting rules require applicable large employers (ALEs) subject to the ACA’s em ployer shared responsib ility rules to report information on the health coverage offered to full-time employees to the Internal Revenue Service (IRS) and covered individuals. The additional reporting is intended to promot e transparency with respect to health plan coverage and costs. It will …

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For Employees: Healthcare Reform and your 2014 Tax Filing

Posted January 23, 2015
Notice to Our Employees: If you and your dependents had qualifying health coverage for all months of 2014 from a source other than the Health Insurance Marketplace, you’ll need to check a box on your federal income tax form. This includes most employer sponsored health coverage. You won’t get a Form 1095 for 2014, and you don’t need to fill out any new forms. Qualifying coverage under the health care law is known as “minimum essential …

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