The ACA currently protects individuals from being denied coverage due to pre-existing conditions. Specifically, it prohibits both exclusions of coverage of specific benefits and complete exclusions from a plan or coverage based on a pre-existing condition. The AHCA retains these protections. However, it would allow issuers in states that receive waivers of the community rating… Read More


The American Health Care Act (AHCA) was passed by the U.S. House of Representatives on May 4, 2017. The AHCA will move to the Senate for a vote and possible amendments. The AHCA needed 216 votes to pass in the House. It passed on a party-line vote, with 217 Republicans and no Democrats voting in… Read More


On May 5, 2017, the Internal Revenue Service (IRS) released the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2018. These limits include: • The maximum HSA contribution limit; • The minimum deductible amount for HDHPs; and • The maximum out-of-pocket expense limit for HDHPs. These limits vary based on whether an… Read More


Every employer wants their staff to feel satisfied with their work, not only because they want them to be happy, but because a better emotional well-being increases productivity and reduces occurrences of sickness and absence. With as many as 40% of people reporting poor emotional health, employers need to do what they can to make… Read More


Health care costs continue to rise, which means employers need to take every opportunity to lower expenses. One strategy is to employ referenced-based pricing (RBP). RBP enables employers to set limits on certain medical services, shifting the cost-analysis burden onto employees. See this attached “Benefits Insights” for the full article. Referenced Based Pricing… Read More


On March 24, 2017, Republican leadership in the U.S. House of Representatives withdrew the American Health Care Act—their proposed legislation to repeal and replace the Affordable Care Act (ACA). A House vote was scheduled to take place on that day, but House Republicans could not secure enough votes to approve the legislation and, instead, canceled… Read More


This month’s Benefits Buzz looks ahead at what the ACA might look like under President Trump, discusses the challenges to becoming health care literate and explains block grants and their importance. Benefits_Buzz_March_2017… Read More