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MBPA could help save you thousands of dollars in health care premiums and avoid possible penalties!

On July 24, 2014, the IRS released Revenue Procedure 2014-37 to index the Affordable Care Act's (ACA) affordability percentages for 2015 under the employer mandate. The IRS also adjusted upward the income level under which employees are exempt from the ACA's individual mandate.

Transitional Rules for Employers with 50 to 99 Employees

One of the fundamental flaws of the Affordable Care Act is that, despite its name, it makes health insurance more expensive. Today, the Manhattan Institute released the most comprehensive analysis yet conducted of premiums under Obamacare for people who shop for coverage on their own. Here’s what we learned.

On July 22, 2014, the U.S. Court of Appeals for the District of Colombia Circuit ruled 2-1 that the federal government may not provide tax credits to individuals that purchase their health insurance coverage through federally-facilitated exchanges established pursuant to the Patient Protection and Affordable Care Act ("PPACA"). Halbig v. Burwell, D.C. Cir., No. 14-5018 (D.C. Cir. July 22, 2014).

Set out below is an additional Frequently Asked Question (FAQ) regarding implementation of the Affordable Care Act. This FAQ has been prepared by the Departments of Labor, Health and Human Services (HHS), and the Treasury (collectively, the Departments). Like previously issued FAQs (available at, this FAQ answers a question from stakeholders to help people understand the law and benefit from it, as intended.

Blue Cross Blue Shield of Michigan intends to more than double its product offerings in the 2015 individual market this November. Blue Cross and its HMO subsidiary, Blue Care Network, filed 41 total product options with the Department of Insurance and Financial Services (DIFS) on Sunday, with the intent to offer these plan options to Michigan consumers during the 2015 open enrollment period that begins Nov. 15, 2014. The new products and their prices require regulatory approval – and the products cannot be sold to consumers until Nov. 15.

On June 4, 2014, the Centers for Medicare and Medicaid Services (CMS) published a report on state Medicaid and Children’s Health Insurance Program (CHIP) enrollment data.

On June 25, 2014, the Department of Health and Human Services, the Department of Labor, and the Department of Treasury (collectively, the “Departments”) jointly issued Final Regulations clarifying the maximum allowed length of a “reasonable and bona fide employment-based orientation period” and the relationship between the orientation period and the 90-day waiting period allowed by the Final Regulations issued in February 2014. These new Final Regulations are scheduled to apply for plan years beginning on or after January 2015.


Aflac's recent Workforces Report for Brokers recently divulged that nearly 50 percent of brokers are considering leaving the industry, due largely to a landscape vastly changed by PPACA. Employee health benefits have become an increasingly complex industry in the past four years — which is precisely the reason that a solid broker workforce is more needed than ever. When it comes to reporting requirements, your employer clients need advice on everything from W-2 reporting to treatment of self-insured plans to reporting around minimum essential coverage. Here, you'll find answers.

Read the full article at LifeHealthPro.