(CMS) updates cost-sharing requirements for the various parts of Medicare
On October 12, 2023, CMS released the updated figures for 2024. Here’s what beneficiaries need to know. MEDICARE PART A COST-SHARING...
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Karl J. Ruth Jr.
- Aug 3
- 2 min
Protect Summer Travel with Short-Term Plan Coverage
By the end of the month, back-to-school reminders and end-of-season sales will have us all thinking fall is almost here. Resist the urge...
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Karl J. Ruth Jr.
- Jun 19
- 2 min
New Consent Requirement For ACA Enrollments
Health and Human Services (HHS), the regulating body for the Individual and Family Plans (IFP), aka ACA, released their annual guidance...
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Karl J. Ruth Jr.
- Jun 12
- 2 min
IRS Addresses Claims Substantiation Requirement for FSAs
The IRS recently issued a Chief Counsel Advice Memorandum that provides important reminders about the claims substantiation requirements...
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Karl J. Ruth Jr.
- May 24
- 4 min
First Gag Clause Attestations Due December 31, 2023
The Consolidated Appropriations Act of 2021 (CAA) prohibits employer-sponsored group health plans from entering into agreements that...
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Karl J. Ruth Jr.
- Feb 22
- 2 min
Marketplace Special Enrollment Period (SEP) - Medicaid Unwinding
The Centers for Medicare & Medicaid Services (CMS) has announced a Marketplace Special Enrollment Period (SEP) for qualified individuals...
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Karl J. Ruth Jr.
- Feb 9
- 2 min
White House announces COVID-19 PHE and National Emergency will be allowed to expire
On January 30, 2023, the White House announced its plan to allow the COVID-19 Public Health Emergency (PHE) and National Emergency...
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Karl J. Ruth Jr.
- Jan 24
- 2 min
Important Update on Medicaid Unwinding
Millions of consumers may soon be eligible for Marketplace coverage. If you or a loved one are impacted by the loss of eligibility,...
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Karl J. Ruth Jr.
- Dec 29, 2022
- 1 min
CAA 2021 Drug Reporting Requirement Update
The Consolidated Appropriations Act, 2021 (CAA), Title II, Division BB included a new reporting requirement for group health plans and...
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Karl J. Ruth Jr.
- Dec 20, 2022
- 1 min
Federal: Minimal Essential Coverage Reporting Regulations Finalized
Effective December 15, 2022, the IRS’s regulations were finalized and published in the Federal Register. They provide an automatic...
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Karl J. Ruth Jr.
- Oct 18, 2022
- 1 min
New Guidance on Health Care Transparency
On August 19, 2022, federal agencies released a final rule and FAQs regarding the ban on surprise medical billing and other health care...
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Karl J. Ruth Jr.
- Aug 25, 2022
- 1 min
HHS Announces Proposed Rule to Strengthen Nondiscrimination in Health Care
On July 25, 2022, the U.S. Department of Health and Human Services (HHS) announced a proposed rule implementing Section 1557 of the...
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Karl J. Ruth Jr.
- Aug 12, 2022
- 1 min
Federal: ACA Affordability Threshold Decreases
On July 25, 2022, the IRS announced that the Affordable Care Act’s (ACA) affordability threshold will be 9.12 percent, reduced from 9.61...
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Karl J. Ruth Jr.
- Aug 11, 2022
- 1 min
Inflation Subsidy Act - ACA Subsidy Extension
On Sunday August 7th, the U.S. Senate passed the Inflation Reduction Act of 2022. This bill contains a $64 billion, 3-year extension of...
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Karl J. Ruth Jr.
- Jul 19, 2022
- 5 min
Employee Benefit Trends That Are Shaping 2022
The COVID-19 pandemic shifted just about every aspect of our lives – including how we work, where we work, and what we want from our...
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Karl J. Ruth Jr.
- Jun 27, 2022
- 5 min
Employer Considerations for Coverage of Abortion Benefits
In anticipation of the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization that overturned Roe v. Wade, states...
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Karl J. Ruth Jr.
- Jun 13, 2022
- 3 min
Distributing Required Notices: What You Need to Know
There are a lot of notices and materials that employers are required to distribute to their employees each year. The requirements for...
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Karl J. Ruth Jr.
- Jun 8, 2022
- 2 min
Question of the Week
Do we need to offer summer interns group health insurance? Whether you need to offer benefits depends on your health plan eligibility...
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Karl J. Ruth Jr.
- May 12, 2022
- 1 min
Timeline of Benefit Notices for Group Health Plans
THIS TIMELINE PROVIDES GENERAL INFORMATION REGARDING FEDERAL BENEFIT NOTICE REQUIREMENTS FOR EMPLOYER-SPONSORED HEALTH PLANS. ADDITIONAL...
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Karl J. Ruth Jr.
- May 9, 2022
- 1 min
State Disability Insurance Mandates
Currently, five states require employers to provide Temporary Disability Insurance (TDI) wage replacement benefits to their employees who...
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