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IRS Releases Draft Forms and Instructions for 2017 ACA Reporting | JRW Associates, Inc., a Raleigh Benefit Advisory Firm

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Under the Patient Protection and Affordable Care Act (ACA), individuals are required to have health insurance while applicable large employers (ALEs) are required to offer health benefits to their full-time employees. Reporting is required by employers with 50 or more full-time (or full-time equivalent) employees, insurers, or sponsors of self-funded health plans, on health coverage … Continued

The Risk of Being Uninsured (and the Hidden Bargain in Addressing It Now) | JRW Associates, Inc., a Raleigh Benefit Advisory Firm

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With all the expenses of everyday living, it’s tempting to think of insurance as just another cost. What’s harder to see is the potential cost of not buying insurance—or what’s known as “self-insuring”—and the hidden bargain of coverage. The Important vs. the Urgent We’ve all experienced it: the tendency to stay focused on putting out … Continued

Small Businesses Healthcare Competitive, But Faces Two Big Challenges | JRW Associates, Inc., a Raleigh Benefit Advisory Firm

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We recently revealed how competitive small business health plans are when compared to national averages—and even how they are doing a better job of containing costs. But the UBA Health Survey Plan also uncovers two challenges these groups face in its new special report: “Small Businesses Keeping Pace with Nationwide Health Trends”.  1.Small businesses are … Continued

Employer Medicare Part D Notices Are Due Before October 15 | JRW Associates, Inc., a Raleigh Benefit Advisory Firm

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Are you an employer that offers or provides group health coverage to your workers? Does your health plan cover outpatient prescription drugs—either as a medical claim or through a card system? If so, be sure to distribute your plan’s Medicare Part D notice before October 15. Purpose Medicare began offering “Part D” plans—optional prescription drug … Continued

Survey: Small Businesses Keeping Pace with Health Benefits Offered by Employers Nationwide | JRW Associates, Inc., a Raleigh Benefit Advisory Firm

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Small employers, those with fewer than 100 employees, have a reputation for not offering health insurance benefits that are competitive with larger employers, but new survey data from UBA’s Health Plan Survey reveals they are keeping pace with the average employer and, in fact, doing a better job of containing costs. According to our new … Continued

DOL Guidance for Benefit Plans Impacted by Hurricane Harvey | JRW Associates, Inc., a Raleigh Benefit Advisory Firm

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The U.S. Department of Labor has issued compliance guidance for benefit plans, employers and employees, and service providers who are impacted by Hurricane Harvey. The guidance generally provides relief from various ERISA requirements and time limits for entities in the disaster area. This follows the Internal Revenue Service (IRS) announcement extending certain filing dates, including … Continued

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