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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 Care Reform: Certifications of Employee Eligibility for Subsidies

Posted March 19, 2015
Certifications of Employee Eligibility for Subsidies   The Affordable Care Act (ACA) requires health insurance Exchanges to send a notice to employers regarding employees who purchase coverage through an Exchange and qualify for a health insurance subsidy. These notices are also called “Section 1411 Certifications” because the notice requirement is contained in Section 1411 of the ACA. The Section 1411 Certification is part of the process established by the Department of Health and Human …

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IRS Invites Comments on Cadillac Tax Implementation for 2018

Posted March 02, 2015
Untitled Document The IRS issued Notice 2015-16 to begin implementation of the Cadillac tax for 2018. Proposed or final regulations have not yet been issued on the Cadillac tax provision. Notice 2015-16 describes and invites comments on potential approaches for certain aspects of the Cadillac tax. Taxpayers may not rely on this notice.  Notice 2015-16 describes potential approaches for a number of issues under the …

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New Exchange Special Enrollment Periods for 2015

Posted February 23, 2015
The 2015 Exchange open enrollment period ended on Feb. 15, 2015.However, new special enrollment periods are available for a limited time for some individuals. Individuals who were unaware of or didn’t understand the individual mandate penalty may enroll from March 15 to April 30, 2015.In line individuals could enroll until Feb. 22. If certain conditions are met, new special enrollment periods allow certain individuals to enroll in Exchange coverage after the 2015 open enrollment period …

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New Guidance and Relief for Employer Payment of Individual Premiums

Posted February 19, 2015
IRS Notice 2015-17 reiterates that all employer payment plans are prohibited.These arrangements can trigger an excise tax of $100 per day for each employee.Transition relief from the excise tax is provided for some employers.The notice clarifies tax treatment and other issues for employer payment plans. Under Notice 2015-17, an excise tax will not be assessed for violations of the ACA’s market reforms by certain employer payment plans.  In the past, many employers have helped employees pay for …

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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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