Chipping Away at the Affordable Care Act Isn’t Getting to the Real Issue

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So, the Affordable Care Act’s (ACA’s) individual mandate penalty has been reduced to zero, the Cadillac Tax has been delayed for two more years (and may likely never be implemented) and the Children’s Health Insurance Program (CHIP) has been funded for six years. Now more than 1.75 million children in 20 states, who were at risk of losing their healthcare, can breathe… [Read More]

A Look at 2018 Healthcare Issues

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Price Waterhouse’s Health Research Institute released their 2018 Top Health Industry Issues report. 2017 was quite a year for healthcare as the industry tried to address controlling healthcare costs in light of the failure of legislative reform along with natural disasters, opioid abuse and cyber security – and all of those issues continue. With the inability… [Read More]

In Healthcare, the Art of the Deal is Not So Artful

In Healthcare, the Art of the Deal is Not So Artful

The Washington shenanigans continue as President Trump holds out the specter of supporting the bipartisan Alexander-Murray Senate bill which attempts to shore up the Affordable Care Act and set up a reinsurance fund for large claims. The president has also promised to back off his threat to cut off funding of cost-sharing subsidies. All this… [Read More]

What Repeal of the Individual Mandate Would Mean to Americans

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The Republicans are at it again. The latest negotiations in the Senate on their tax bill have led them back to a proposal to eliminate the individual mandate under the Affordable Care Act. The lure of more than $300 billion in tax savings as calculated by the nonpartisan Congressional Budget Office (CBO) is too big a number… [Read More]

ACA Penalties – Not Gone Yet

ACA Penalties – Not Gone Yet

Although the Trump Administration has clearly signaled that enforcement of the individual penalty will not likely be a target for 2017, it is not as clear concerning the employer penalty. Earlier this month the Treasury Department issued its report titled “Affordable Care Act: Assessment of Efforts to Implement the Employer Shared Responsibility Provision.” The Treasury… [Read More]

Healthcare Reform – It’s Not as Easy as It Looks (and It Didn’t Really Look That Easy Anyway)

Healthcare Reform – It s Not as Easy as It Looks

The IRS now says that they are not equipped to test the accuracy of ACA health information to validate the premium and cost sharing subsidies that were given out over the past years. Unbelievably, for 2015 the IRS expected 77 million Form 1095-Cs and actually got 104 million forms. And of these forms, 5.4% (or 5.6… [Read More]

Healthcare – the Pressure is Mounting

Healthcare – the Pressure is Mounting

Well, I told you it wasn’t going to be easy. As President Trump delivers on what many had viewed as unrealistic campaign promises the repeal of Obamacare is right on track. In finalizing the budget the GOP can line out any ACA items with a fiscal impact. By lining out the individual and employer penalty… [Read More]

It’s Time to Get Real About Medical Insurance Costs

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Intuit, the tax preparation software company, has said that three-fourths of filers who might be subject to the individual mandate were able to find an exemption in 2015.  It’s no surprise with the liberal policies put in place by regulators that this watered down threat provides little leverage to bring the healthiest Americans into the… [Read More]

Emergency Room Spike

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A troubling survey by the American College of Emergency Physicians has raised some eyebrows in the healthcare community. Three quarters of emergency room doctors report seeing an increase in ER visits over the last year, with 28% observing “large increases.” You’ll likely remember that one of the key arguments in passing the Affordable Care Act… [Read More]

Employer Mandate is Here…Now What?

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The ball has dropped. The long-awaited employer mandate is here and the individual mandate is entering its second enrollment cycle. As I discuss ACA with clients and prospects I realize that there is a lot of confusion about what happens next. One big question is, “How will all of this be enforced?” In 2016, employers… [Read More]