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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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Health Plan ID (HPID) Requirement Delayed

Posted November 03, 2014
Benefit Comply - Issue Date: November 2014 On October 31st The Centers for Medicare and Medicaid Services (CMS) announced an indefinite delay in the Health Plans ID (HPID) requirements applicable to self-funded employer sponsored health plans.Officially described as an enforcement delay, the announcement means that large self-funded employers will not be required to obtain an HPID by November 5th, 2014 as originally required. No further information regarding a new deadline, or other changes to the HPID …

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HPID Requirement Delayed Indefinitely

Posted November 03, 2014
Quick Facts Controlling health plans were required to obtain an HPID by Nov. 5, 2014. Small health plans had an additional year (until Nov. 5, 2015) to comply. On Oct. 31, 2014, enforcement of the HPID requirement was delayed until further notice.   The Health Plan Identifier (HPID) is a standard, unique health plan identifier required by the Health Insurance Portability & Accountability Act of 1996 (HIPAA). The initial deadline for health plans to obtain an HPID was …

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IRS Announces 2015 Adjustments for Certain Benefit Items

Posted November 03, 2014
Benefit Comply - Issue Date:  November 2014In Revenue Procedure 2014-61, the IRS set forth a variety of 2015 adjusted tax limits. Among other things the notice addresses benefits related limits for health flexible spending accounts (FSAs), adoption assistance, and qualified transportation benefits.       Health Flexible Spending Account (FSA) – 2015 annual limitation of $2,550 Health care reform imposed a $2,500 limit on annual salary reduction contributions to health FSAs offered under Section 125 (Cafeteria) plans, effective for plan years beginning after December 31, 2012.  …

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Regulatory Notice Says Plans Must Cover Hospitalization, Physician Services to Provide Minimum Value

Posted November 03, 2014
The Department of Health and Human Services and the Internal Revenue Service (IRS) issued a Notice on November 4th, 2014 requiring all employer-sponsored health plans to cover in-patient hospitalization services and physician services in order to be considered providing “minimum value” (MV) under the Affordable Care Act (ACA). Large employers that do not offer MV plans that are affordable to their full-time employees may be subject to a penalty under the ACA.The Notice says this requirement will not apply to employers …

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Health FSAs Carryovers

Posted October 31, 2014
Untitled Document Under Internal Revenue Code (Code) section 125, a health flexible spending account (FSA) is an employer-sponsored account that employees can use to pay for or reimburse their qualifying medical expenses on a tax-free basis, up to the amount contributed for the plan year. Health FSAs are subject to a “use-or-lose” rule that generally requires any unused funds at the end of the plan year (plus any applicable …

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