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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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California Repeals 60-day Waiting Period Limit, Conforms with ACA Rule

Posted August 22, 2014
•      On Aug. 15, 2014, SB 1034 repealed California’s 60-day waiting period limit. •      SB 1034 prohibits group health insurance issuers from imposing any waiting period. •      California employers may establish waiting periods of up to 90 days, consistent with the ACA’s 90-day limit. •      The effective date for SB 1034 is unclear.      As a result of SB 1034, California employers may establish waiting periods of up to 90 days, consistent with the ACA’s 90-day limit.   For plan years beginning …

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Pay or Play Penalties—Look-back Measurement Method Examples

Posted August 20, 2014
Pay or Play Penalties—Look-back Measurement Method Examples   The Affordable Care Act (ACA) imposes a penalty on applicable large employers (ALEs) that do not offer health insurance coverage to substantially all full-time employees and dependents. Penalties may also be imposed if coverage is offered, but is unaffordable or does not provide minimum value. The ACA’s employer penalty rules are often referred to as “employer shared responsibility” or “pay or play” rules.   The employer penalty provisions were set to …

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Federal Courts Issue Conflicting Rulings on Subsidies in Federal Exchanges

Posted August 19, 2014
•   Several lawsuits challenge the government’s ability to provide subsidies in states that did not establish their own Exchanges. •   On July 22, 2014, two federal appeals courts issued inconsistent rulings on subsidies in states with FFEs. •   The U.S. Supreme Court may ultimately decide whether subsidies are available in all states, including those with FFEs. •  This issue may have a significant impact on employers due to the ACA’s employer mandate    On July 22, 2014, the D.C. Circuit …

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Repaying Exchange Subsidy Overpayments

Posted August 13, 2014
The Affordable Care Act (ACA) created health insurance subsidies, in the form of premium tax credits and cost-sharing reductions, to help eligible individuals and families purchase health insurance through an Exchange. By reducing a taxpayer’s out-of-pocket premium costs, the subsidies are designed to make coverage through an Exchange more affordable. Subsidies became available beginning in 2014, at the same time the Exchanges became operational. The Exchange open enrollment period for the 2014 plan year ended …

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Health Care Reform: Disclosure of Individual Tax Return Information

Posted August 13, 2014
Disclosure of Individual Tax Return Information The Affordable Care Act (ACA) allows the Internal Revenue Service (IRS) to disclose certain limited taxpayer information to the Department of Health and Human Services (HHS), the Exchange and state agencies for use in verifying eligibility for health care affordability programs. This provision, found in Section 6103(l)(21) of the Internal Revenue Code (Code), allows the IRS to disclose information only upon written request, and imposes strict privacy and security rules. On …

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