Affordable Care Act (ACA) Learning Sessions for Social Sector Leaders & Community Advocates April 12, 2013 Coordinated by the Access HealthColumbus Community Advisory Committee Purpose Spread knowledge of federal health care reform in non-profit organizations to improve their ability to serve clients during the implementation of the Affordable Care Act (ACA). Today’s Objectives 1. Improve knowledge of how the ACA affects small employers. 2. Improve knowledge of covered benefits under ACA in Ohio. 3. Provide an update on ACA Health Benefit Exchanges and Navigators in Ohio. 4. Provide an update on Medicaid expansion and changes in Ohio. 5. Obtain input on shaping future Learning Sessions (tentatively 7/19 and 9/13).
Today’s agenda 9:00 Welcome & ACA Introduction – Isi Ikharebha 9:20 ACA & the Small Employer – Carol Deibel
9:45 Covered benefits under ACA in Ohio Update on Health Benefit Exchanges & Navigators -- Doug Anderson 10:15 Update on Medicaid Expansion – Jeff Biehl 10:40 Shaping Future Learning Sessions – Isi Ikharebha 10:50 Closing & Next Steps – Isi Ikharebha
2
ACA: Key Areas of Change
Near Universal Insurance Coverage
Health Benefit Exchanges
Affordable Care Act
Improvement Initiatives
Guaranteed Issue & Insurance Mandate
Expansion of Medicaid
Health Benefit Exchanges
Near Universal Insurance Coverage
Affordable Care Act
Improvement Initiatives
Subsidized commercial insurance for middle-income families (market based) Guaranteed Issue & Insurance Mandate
11/16/12 – Ohio submitted intent for federal Health Benefit Exchange Early 2013 – Ohio’s budget process includes the governor’s recommendation for Medicaid expansion in Ohio June 2013 – State will finalize budget with Medicaid expansion decision Fall 2013 – People begin to enroll through Health Benefit Exchanges January 2014 -• Permanent insurance reforms take effect • Low income subsidies start • Coverage through exchanges becomes effective • Mandates take effect o Individual Mandate o Employer Mandate
ACA and the Small Employer
7
Important Milestones for Small Businesses
Late summer/early fall 2013 – Notice to Employees –
July 31, 2013 - $1 to Research –
Insured and self-funded plans will pay $1/member to fund comparative effectiveness research of medical treatments by the new non-profit Patient Centered Outcomes Research Institute
October 1, 2014 – Marketplace/Exchange –
8
Employers will provide employees with a notice about the availability of a health insurance marketplace in their state. Original deadline was extended, and a specific date has not been set. Model language for notice has also not been indicated.
State’s health insurance marketplace will enroll individuals and small employers (<50 employees). Small businesses do not have to enter the marketplace until their current coverage expires.
Important Milestones for Small Businesses
9
January 1, 2014 – Insurance purchase mandate / Benefit changes / Reinsurance fees
•
Citizens and legal residents are required to purchase minimum essential health coverage or pay an annual individual responsibility tax.
•
Employer-sponsored plans cannot impose annual benefit limits or pre-existing condition limits.
•
Deductibles in the small group insurance market (<100 employees) cannot exceed $2,000/individual or $4,000/family.
•
Employee wellness rewards can be increased from 20% to 30% of the cost for single coverage. Incentives to 50% for plans designed to prevent/reduce tobacco use.
•
State based Transitional Reinsurance Programs are established to help stabilize individual premium. Insured and self-funded plans will be assessed fees to fund the program during 2014-2016. Fees for 2014 are estimated at $63/member (employee, spouse, or child).
Kaiser Family Foundation http://healthreform.kff.org/thebasics/employer-penalty-flowchart.aspx
10
11
Penalties for Employers Not Offering Affordable Coverage Under the Affordable Care Act Beginning in 2014 (Continued)
12
How are small businesses effected?
Fewer than 25 full time employees –
Eligible for tax credit if average annual wages are less than $50,000 and company pays at least half of employees health insurance cost
–
For tax years 2010 to 2013, eligible employers may receive a tax credit of up to 35% of the employer's contribution toward the employee’s health insurance premium.
–
Employers are eligible to take the tax credit for 2010-2013 and any two years after that.
–
Tax-exempt (Non-Profit)small businesses meeting these requirements are eligible for tax credits smaller than the For-Profits.
–
See your tax advisor.
25 - 49 full time employees –
13
Exempt from penalties faced by larger employers that do not offer coverage.
How are small businesses effected?
50 - 99 full-time employees –
Will be able to purchase coverage through Small Business Health Options Program (SHOP) Exchanges beginning in 2015.
–
Affordable essential health benefit coverage to substantially all (95%) of its full-time employees and their eligible dependents
–
14
Otherwise, excise taxes may apply.
Coverage is unaffordable if: – The employee’s required premium/contribution for self-only coverage exceeds 9.5% of the employee’s W-2 income; or – The insurance does not pay for at least 60% of covered health care expenses.
Premium subsidies are available to any employee between 100-400% FPL and whose employer does not offer affordable coverage.
How will the ACA effect me?
Will I have to offer coverage? –
Will my coverage change? –
15
Businesses with less than 50 employees are not subject to penalties for not offering coverage, or offering unaffordable coverage. If you are currently covered by an insurance plan your coverage will not have to change until your plan renews. Plans purchased after January 1, 2014 will be required to cover essential health benefits discussed later in this presentation.
Do I have to buy my insurance through the exchange (also called SHOP (Small Business Health Options Programs)? –
No, your coverage can still be purchased through an insurance broker (with or without using SHOP).
–
For 2014, the SHOP employer plans will not include multiple choice plans for employees (one plan selection)
Will the new consumer protections and community rating rules change my premium? –
These new rules could potentially increase/decrease your premium cost significantly.
Is my business eligible for tax credits? •
Do you pay at least half of your employee’s single coverage health insurance premiums? If yes, your company may be eligible for a tax credit.
•
•
How many full-time employees (FTEs) do you have? •
•
What is the average salary of your FTEs? •
•
16
Companies with less than 10 FTEs are eligible for the full tax credit. Companies with 10–24 FTEs are eligible for a reduced credit.
Companies with average annual wages of $25,000 are eligible for full credit. Companies with average wages up to $50,000 are eligible for partial credit.
See your tax advisor.
How is the tax credit calculated? (Starting in 2014: For-Profit)
17
Employees
≤$25,000
$30,000
$35,000
$40,000
$45,000
≤10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
50%
40%
30%
20%
10%
47%
37%
27%
17%
7%
43%
33%
23%
13%
3%
40%
30%
20%
10%
37%
27%
17%
7%
33%
23%
13%
3%
30%
20%
10%
27%
17%
7%
23%
13%
3%
20%
10%
17%
7%
13%
3%
10%
7% 3%
$50,000
How is the tax credit calculated? (Starting in 2014: Non-Profit)
18
Employees
≤$25,000
$30,000
$35,000
$40,000
$45,000
≤10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
35%
28%
21%
14%
7%
33%
26%
19%
12%
5%
30%
23%
16%
9%
2%
28%
21%
14%
7%
26%
19%
12%
5%
23%
16%
9%
2%
21%
14%
7%
19%
12%
5%
16%
9%
2%
14%
7%
12%
5%
9%
2%
7%
5% 2%
$50,000
What is a full-time employee?
19
Employees working on average at least 30 hours/week
Employers may choose to count hours in one of three different ways: –
Actual hours of service: Divide the total hours for which the employer pays wages to the employees during a taxable year by 2,080. No more than 2,080 hours (equivalent to a 40-hour work week) should be counted for any employee.
–
Estimate hours based on total days of service
–
Estimate hours based on total weeks of service
Seasonal workers are not included unless they are employed for more than 120 days during the tax year.
Business owners and family members of business owners (excluding spouses) employed by the business do not count as FTEs.
Affordable coverage for employees of small businesses •
20
Will employer coverage be more affordable than individual coverage purchased through the exchange for employees of small businesses and their families? –
A number of factors need to be accounted for, including: income, family status, cost sharing, employer’s premium contribution
–
Employees offered affordable coverage will not be eligible for the exchange.
–
Premium subsidies and cost-sharing assistance will not be available to the uninsured spouses and children of employees who have access to affordable self-only coverage but who cannot afford dependent coverage.
How much will the government provide in subsidies for purchasing coverage through the exchange? –
http://laborcenter.berkeley.edu/healthpolicy/calculator/
–
http://healthreform.kff.org/subsidycalculator.aspx?source=QL
ACA and the Small Employer Summary -2014 brings more choice and control • You control the coverage you offer and how much you contribute towards your employee’s coverage • You may have additional access to tax benefits
• Benefits of new consumer protections regarding premiums • Insurance plans will still be run by private companies • Use your broker or shop on your own • Exchanges, including SHOP (Small Business Health Options Program) available in October 2013
21
ACA and the Small Employer
Q&A
22
ACA Covered Benefits in Ohio
23
Essential Health Benefits ACA requires items and services from the following 10 categories: 1.
Ambulatory patient services
2.
Emergency services
3.
Hospitalization
4.
Maternity and newborn care
5.
Mental health and substance use disorder services; including behavioral health treatment
6.
Prescription drugs
7.
Rehabilitative and habilitative services and devices
8.
Laboratory services
9.
Preventative and wellness services and chronic disease management
10.
Pediatric services, including oral and vision care
Essential Health Benefits Benchmark Plan Selection, as of October 2012 WA
State selected a small group plan as its benchmark plan
MT
ME
ND
OR
MN
State selected a state employee benefit plan as its benchmark plan State selected the largest commercial HMO plan as its benchmark plan
NH VT
ID
MA
WI
SD
NY
WY NV
MI** IA
NE*
PA IL
UT
CO
CA
RI
KS
OH IN
DE WV
MO
VA
KY
NC
State did not select a benchmark plan****
AZ
OK
NM
TN
AR
MD***
DC
SC MS
TX
CT NJ
AL
GA
LA
FL
AK
HI
*Nebraska selected a unique “Nebraska Option” as its benchmark plan. This plan was not among the ten plan options outlined in federal guidance. **Michigan selected a benchmark plan that is one of its largest small group plans and also the state’s largest commercial HMO plan. ***Maryland originally selected a state employee benefit plan but later switched to a small group plan during the HHS rulemaking process. ****States that did not select a benchmark plan will have the largest small group plan in their state as their default essential health benefits plan. Source: Authors’ analysis.
25
Ohio’s Essential Health Benefits 1.
2.
3.
26
Ambulatory Patient Services •
Primary care visit to treat injury or illness
•
Specialist visit
•
Other practitioner office visit (Nurse, Physician Assistant)
•
Outpatient facility fee
•
Outpatient surgery physician/Surgical services
•
Urgent care centers or facilities
•
Allergy treatment
Emergency Services •
Emergency room services
•
Emergency transportation/Ambulance
Hospitalization •
Inpatient hospital services
•
Inpatient physician and surgical services
Ohio’s Essential Health Benefits 4.
5.
6.
27
Maternity and Newborn Care •
Prenatal and postnatal care
•
Delivery and all inpatient maternity care
Mental Health and Substance Use Disorder Services; Including Behavioral Health Treatment •
Mental/Behavioral health outpatient services
•
Mental/Behavioral health inpatient services
•
Substance abuse disorder outpatient services
•
Substance abuse disorder inpatient services
Prescription Drugs •
Generic Drugs
•
Preferred brand drugs
•
Non-preferred brand drugs
•
Specialty Drugs
•
Injectable drugs and other drugs administered in a provider’s office or other outpatient setting.
Ohio’s Essential Health Benefits 7.
8.
9.
10.
28
Rehabilitative and Habilitative Services and Devices •
Outpatient rehabilitation services
•
Habilitation services
•
Rehab facilities including room and board charges, physicians fees, imaging, testing, and inpatient hospital services
Laboratory Services •
Diagnostic test (X-Ray and lab work)
•
Imaging (CT/PET Scans, MRI)
Preventative and Wellness Services and Chronic Disease Management •
Routine eye exam (Adult)
•
Chiropractic care
•
Preventative care/Screening/Immunization
Pediatric Services, Including Oral and Vision Care •
Routine eye exam (Children)
•
Eye glasses for children*
•
Dental check-up for children*
*Required but not covered in benchmark plan
Ohio’s Essential Health Benefits 11.
29
Additional Benefits Covered in Ohio •
Hospice services
•
Private-duty nursing
•
Home health care services
•
Skilled nursing facility
•
Durable medical equipment
•
Radiation therapy
•
Chemotherapy
•
Infusion therapy
•
Renal dialysis/Hemodialysis
•
Vision correction after survey or accident
•
Medical supplies, equipment, and education for diabetes care for all diabetics
•
Dental services for accidental injury and other related medical services
•
Human organ and tissue transplant services, and unrelated donor search
•
Temporomandibular or craniomandibular joint/jaw treatment (TMJ)
Ohio’s Essential Health Benefits Benefits Not Covered:
30
•
Non-Emergency care when traveling outside the US
•
Long-term/Custodial nursing home care
•
Bariatric surgery
•
Cosmetic surgery
•
Hearing aids
•
Routine foot exam
•
Acupuncture
•
Weight loss programs
•
Routine dental services (Adult)
•
Infertility treatment
Metal Plans
31
Plans offered in the individual and small group markets will have cost sharing, including deductibles, copays and other cost sharing. Out of network services will cost more for the consumer.
Plans must fall into metal tier which represent the extent to which the plan has higher cost sharing or lower cost sharing.
Metal tiers represent the average an insurer will pay for covered services for all policies issued within a metal tier.
–
Bronze = The carrier pays 60% of covered benefits; the individual pays 40%
–
Silver = The carrier pays 70% of covered benefits; the individual pays 30%
–
Gold = The carrier pays 80% of covered benefits; the individual pays 20%
–
Platinum = The carrier pays 90% of covered benefits; the individual pays 10%
Plans will also have out of pocket maximums no greater than $6,400/$12,800.
Catastrophic Plans
32
For adults under 30 and people exempt from the individual mandate, carriers may also issue catastrophic plans, with higher cost sharing. –
Catastrophic plans provide the essential health benefits after the insured has met a deductible which must be equal $6,400 for and individual and $12,800 per family in 2014.
–
The deductible does not apply to at least three primary care visits.
ACA Covered Benefits in Ohio
Q&A
33
Exchanges & Navigators Update
34
Ohio’s Health Benefit Exchange decision, November 16, 2012 Governor John Kasich sent a letter to the director of Centers for Medicare and Medicaid Services Center for Consumer Information and Insurance Oversight to indicate Ohio’s Health Benefit Exchange decision under the Affordable Care Act.
35
•
“Ohio will not operate a federally-mandated exchange but instead will exercise its right under the law to leave that to the federal government;”
•
“Ohio will … retain the right to regulate the state’s insurance industry…”
•
Ohio will retain the right to determine Medicaid and CHIP eligibility for its citizens
36
Key Exchange Functions in a Federally–facilitated Exchange (FFE) - Activities
In opting for a Federally Facilitated Exchange (FFE) Ohio has: • ceded the responsibility for running the exchange to the federal government • will retain control over Medicaid eligibility determinations • will retain its regulatory authority over the state’s insurance markets Consumer assistance will be available through navigators—entities that will assist consumers and small employers with the enrollment process. Under Ohio’s FFE, the federal government will select, train and provide funding to entities participating in the navigator program.
37
Key Exchange Functions in a Federallyâ&#x20AC;&#x201C;facilitated Exchange (FFE) - Activities By foregoing a partnership or state-based exchange model, Ohio will not be eligible to obtain federal funds to establish and operate an optional in-person consumer assistance program, an option that acknowledges not all communities or eligible individuals will have easy access to a navigator.
38
Key Exchange Functions in a Federally–facilitated Exchange (FFE) - Activities
Health and Human Services activities for FFE: • Developing a unified FFE infrastructure • April 2013- Carriers will apply to become Qualified Health Plans • September 2013- Agreements with Qualified Health Plan Issuers will be completed • October 1, 2013- Open enrollment on exchanges for the 2014 coverage year will begin From: General Guidance on FFEs, issued by Health and Human Services, May 16, 2012
39
Who will use the individual marketplace (exchange)?
40
Individuals 18-64 years old between 100-400% of the FPL who do not receive/cannot afford employer coverage.
A national study conducted by Lake Research Partners found that: –
52% are female.
–
84% do not have a college degree.
–
32% are currently uninsured (67% have been uninsured for 2+ years)
–
78% of uninsured adults lack awareness of new options for insurance under the ACA.
–
22% Latino, 16% African American
–
44% have shopped for health insurance outside of their job.
–
70% say they would be very (38%) or some-what (32%) likely to go to the [exchange] website to find and compare plans if they did not have insurance in 2014.
Most Important Facts for the Individual Exchange Population
41
1.
All insurance plans will have to cover doctor visits, hospitalizations, maternity care, emergency room care, and prescriptions.
2.
You might be able to receive financial help to pay for a health insurance plan.
3.
If you have a pre-existing condition, insurance plans cannot deny you coverage.
4.
All insurance plans will have to show you the costs and what is covered in simple language with no fine print.
Navigators in the ACA
42
Defined by the ACA –
Conduct public education activities to raise awareness of the availability of qualified health plans
–
Distribute fair and impartial information concerning enrollment in qualified health plans, and the availability of premium tax credits and costsharing reductions
–
Facilitate enrollment in qualified health plans
–
Provide information in a manner that is culturally and linguistically appropriate to the needs of the population being served by the exchange or exchanges.
–
Provide referrals to the appropriate entity or agency for consumers with a grievance, question, or complaint.
Navigators in Ohio
43
Ohio Senate Bill 9 & House Bill 3 –
Enables a licensed insurance agent to sell health benefit plans offered through an exchange and prescribes associated requirements.
–
Specifies that an insurance navigator is prohibited from engaging in the act of selling insurance and other related functions.
–
Authorizes non-licensed navigators to do the following:
Conduct public education activities to raise awareness of the availability of qualified health plans.
Distribute fair and impartial general information concerning enrollment in all qualified health plans offered within the exchange and on the availability of premium tax credits and costsharing reductions under the ACA
Facilitate enrollment in qualified health plans, without suggesting that an individual select a particular plan.
Provide referrals to state agencies for enrollees with a grievance, complaint, or question regarding their health plan, coverage, or a determination under such plan.
Provide information that is culturally and linguistically appropriate to the needs of the population being served by the exchange.
Navigators in Ohio
Ohio Senate Bill 9 & House Bill 3 continued.. –
44
Prohibits navigators from the following activities:
Sell, solicit, or negotiate health insurance.
Provide advice concerning the substantive benefits, terms, and conditions of a particular health benefit plan or offer advice about which health benefit plan is better or worse or suitable for a particular individual or entity.
Recommend a particular health plan or advise consumers about which health benefit plan to choose.
Provide any information or services related to health benefit plans or other products not offered in the exchange. The bill specifies that this provision is not to be interpreted as prohibiting an insurance navigator from providing information on eligibility for Medicaid.
Navigators in Ohio
Ohio Senate Bill 9 & House Bill 3 continued.. –
45
Sets eligibility requirements:
At least 18 years of age.
Completed and submitted the application and disclosure form declaring any potential conflicts of interest and any other information the Superintendent of Insurance considers pertinent.
Has successfully completed a criminal records check.
Successfully completed the insurance navigator certification and training requirements adopted by the Superintendent.
Paid all associated fees.
Navigators – new CMS grants
CMS announces exchange navigator grants
The Centers for Medicare & Medicaid Services will accept applications through June 7 for a portion of $54 million in funding to support “navigators” authorized by the Patient Protection and Affordable Care Act to provide unbiased information to consumers about coverage options in health insurance exchanges, also known as marketplaces. Letters of intent are due by May 1.
According to CMS, the funding opportunity is open to eligible self-employed individuals and private and public entities applying to serve as navigators in states with a federallyfacilitated or state partnership marketplace.
CMS will host calls for potential applicants on April 11 and 19 from 3:30-5 p.m. Eastern Time to answer technical questions. To access the calls, dial 877-267-1577; ID 5119 for the first call, and 2917 for the second.
Last week, CMS released a proposed rule outlining standards for navigators in states with a federally-facilitated or state partnership marketplace.
From American Hospital Association news 4/9/2013
46
Exchanges & Navigators Update
Q&A
47
Medicaid Expansion Update
48
Medicaid Expansion Timeline
January 1, 2013: –
February 4, 2013: –
House of Representatives voted to exclude Medicaid expansion from the Governor’s budget.
June 30, 2013: –
49
Governor Kasich includes Medicaid expansion in his two-year budget proposal.
April 8, 2013: –
Increased Medicaid payments for primary care physicians goes into effect.
Deadline for Ohio legislature to decide whether or not to approve Kasich’s budget proposal.
Medicaid Expansion Timeline
January 1, 2014: –
Expanded Medicaid eligibility goes into effect in states choosing to participate.
–
Affordable Insurance Exchanges open for enrollment.
–
Hospitals are permitted to make presumptive Medicaid eligibility determinations.
October 1, 2015: –
Federal matching funds for the Children’s Health Insurance Program (CHIP) will increase up to 100%. THERE IS NO DEADLINE FOR EXPANDING MEDICAID
50
51
Ohio Office of Medical Assistance
Ohio Medicaid Expansion
52
More than 2.3 million Ohioans are enrolled in Medicaid.
In 2012, 1.36 million Ohioans were uninsured (1,229,587 adults and 139,884 children).
Currently, to qualify for Medicaid most adults must be either: –
Low-income and have a child in the family
–
Or disabled
Many Ohio low-income are not eligible for coverage
The ACA and U.S. Supreme Court affords states the opportunity to extend Medicaid coverage to address this coverage gap.
Ohio Office of Medical Assistance
Ohio Medicaid Expansion
53
To address the coverage gap for Ohioans, Governor Kasich has proposed in his Jobs Budget 2.0 to extend Medicaid coverage to adults who have annual incomes ≤138% of the Federal Poverty Level.
To assist Medicaid expansion, the federal government will pay for 100% of the Medicaid coverage cost for the newly Medicaid eligible population, decreasing to 90% by 2020.
If the federal government reduces its assistance for Medicaid expansion, proposed budget language would revert coverage back to current eligibility levels.
2014 Federal Health Coverage Expansion 500%
Private Insurance Federal Poverty Level (FPL)
400%
$92,200* (family of 4)
Health Benefit Exchange 300%
Disabled Ohioans in this income range â&#x20AC;&#x153;spend downâ&#x20AC;? their income to qualify for Medicaid
200% Optional ACA Medicaid Expansion to 138%
$31,809* (family of 4)
100%
Medicaid 0% Children 0-18 without coverage Current Ohio Medicaid Eligibility
Parents
Childless Adults
Federal Exchange Eligibility
Disabled Workers Other Aged, Blind and Disabled Not Covered by Ohio Medicaid or Federal Exchange
* The 2012 poverty threshold is $11,170 for an individual and $23,050 for a family of four.
54
Ohio Office of Medical Assistance
Ohio Medicaid Expansion Additional changes in the ACA and proposed in the budget include…
55
A Simplified Eligibility Policy that collapses Ohio’s current 150+ Medicaid eligibility categories into three: 1.
Children and pregnant woman;
2.
Individuals who are 65 years and older, who have Medicare coverage, or who need long-term services and supports; and
3.
Community adults (those not pregnant or needing long-term services).
Replacing the Medicaid Eligibility Process, enabling most potential Medicaid enrollees to become enrolled based on data available from federal and state sources without the need of additional eligibility tests.
Replacing the Eligibility Enrollment System with an automated system that relieves manual data input processes.
Ohio Office of Medical Assistance
Ohio Medicaid Expansion Who is caught in Ohio’s Coverage Gap?
56
A Individuals with income ≤138% of poverty ($15,415 for an individual or $31,809 for a family of four).
About half in the gap work, but their employer doesn’t offer or they can’t afford health insurance.
Many in the gap work as health care providers for others but don’t themselves have coverage
Some in the gap are unable to work because of mental illness or addiction, but have no regular source of care to recover.
A national study found that 83% of the Medicaid expansion population were unaware of their eligibility status.
Ohio Office of Medical Assistance
Ohio Medicaid Expansion Prior Medicaid Eligible Status
174,154 = uninsured parent with a child in the household with annual family income ≤90% of FPL*
101,915 = uninsured children living in a household with annual family income ≤200% FPL.
*Please note that Ohio Medicaid assumes that for parents, self-reported income at 100% FPL is representative of the current Medicaid eligibility income threshold of 90% FPL after accounting for applicable disregards.
57
Medicaid Expansion Update
Q&A
58
Feedback Future Learning Sessions Please fill in your Blue handout
Affordable Care Act (ACA) Learning Sessions for Social Sector Leaders & Community Advocates April 12, 2013 Coordinated by the Access HealthColumbus Community Advisory Committee THANK YOU!
Lead Support
Major Support
Additional Support 100% Access HealthColumbus Board & Staff Individual & Corporate 60 Donations
Want to learn more about the Affordable Care Act? We will send you links to the slides and these sources:
http://healthreform.kff.org/timeline.aspx?source=QL http://healthreform.kff.org/the-basics/Requirement-to-buy-coverageflowchart.aspx http://healthreform.kff.org/the-basics/employer-penalty-flowchart.aspx http://cciio.cms.gov/resources/files/FFE_Guidance_FINAL_VERSION_051612.pdf http://healthreform.kff.org/subsidycalculator.aspx http://uhcanohio.org/content/health-care-reform-0
Implementation Timeline: http://healthreform.kff.org/timeline.aspx?source =QL http://www.medicaid.gov/AffordableCareAct/Ti meline/Timeline.html http://www.findleydavies.com/index.php/resour ces/health-care-reform/426-health-care-reformpath-to-compliance
Affordable Care Act slides and sources continued… Employers: http://healthreform.kff.org/tags/employers.aspx?source=QL http://www.healthcare.gov/index.html http://healthreform.kff.org/faq/how-are-small-businesses-affected-by-health-reform.aspx http://www.sba.gov/healthcare http://www.whitehouse.gov/administration/eop/cea/Health-Care-Reform-and-Small-Businesses http://www.nfib.com/Portals/0/PDF/AllUsers/advocacy/ppaca-healthcare-law-guide-nfib.pdf http://www.smallbusinessmajority.org/hc-reform-faq/#1b http://www.bcnys.org/inside/health/2010/HealthCareSmallBusinessTaxCreditTablesApril2010%20.pdf http://www.irs.gov/uac/Small-Business-Health-Care-Tax-Credit-Questions-and-Answers:-How-to-Claim-theCredit http://www.irs.gov/uac/Small-Business-Health-Care-Tax-Credit-for-Small-Employers http://www.irs.gov/uac/IRS-Helps-Small-Employers-Claim-New-Health-Care-Tax-Credit%3B-Forms-andAdditional-Guidance-Now-Available-on-Small-Business-Health-Care-Tax-Credit http://www.healthcare.gov/marketplace/small-businesses/index.html
Essential Health Benefits: http://cciio.cms.gov/resources/files/Files2/12162011/essential_health_benefits_bulletin.pdf http://www.bcbsm.com/content/microsites/health-care-reform/en/reform-alerts/actuarial-valuedefined.html
Exchanges/Navigators: http://www.lsc.state.oh.us/analyses130/h0003-i-130.pdf http://files.www.enrollamerica.org/best-practices-institute/public-education-resources/EA_Final_Report.pdf http://www.healthreformgps.org/resources/update-when-should-uninsured-family-members-of-employeeswith-access-to-affordable-self-only-employer-coverage-qualify-for-premium-tax-credits/