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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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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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New California Law Adopts Transition Policy for Canceled Plans

Posted July 09, 2014
On July 7, 2014, California Gov. Jerry Brown (D) signed Senate Bill No. 1446 (SB 1446) into law, adopting the White House’s transition policy for canceled health plans in the small group market. If certain conditions are met, SB 1446 allows plans and issuers to renew existing health plans for businesses with 50 or fewer employees for an extra year, without adopting all of the Affordable Care Act (ACA) market reforms for 2014. Specifically, under this …

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Final Rules – 90 Day Waiting Period & Orientation Period

Posted July 01, 2014
 Final regulations were released by the Departments of Labor (DOL), Health and Human Services (HHS), and the Treasury (IRS) (The Departments) regarding the Affordable Care Act (ACA) 90-day waiting period rules, including the new one month “orientation period”, which may be imposed prior to the start of the waiting period.BackgroundIn general, beginning with the first plan year of 2014, The ACA limits group health plan waiting periods to no more than 90 calendar days before …

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Health Plan Identification Numbers

Posted May 13, 2014
View PDF Version >> Small Plans with annual receipts of $5 million or less must register by November 7, 2015. Large Plans with annual receipts of more than $5 million must register by November 7, 2014. Registration To register for a Health Plan Identification Number (HPID) you must: Go to https://portal.cms.gov/ . Click on the “new user registration” tab under the Login to CMS Secure Portal section. New Health Insurance Operating …

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Pedestrian Safety Awareness

Posted May 12, 2014
In this country 5,000 Pedestrians are killed each year. Another 64,000 are seriously injured. Urban areas are known to have higher pedestrian death rates. Be aware of your surroundings, know that pedestrians can pop up anywhere even on busy highways, look for cross walks before turning; don’t contribute to the pedestrian death toll. Loss Prevention TipsNote that Pedestrians can appear at any time.  Popping up in unexpected places. At night or in poor weather …

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