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January 3, 2020 logo logo
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[Guidance Overview]

Several New Laws Affect ACA and Employer-Sponsored Health Plans in 2020

"The [Further Consolidated Appropriations Act] repeals the ACA-imposed annual fee on health insurance providers ... which applied to insurance policies in the individual and small group markets ... [T]he Act finally repeals the highly unpopular excise tax on high-cost employer group health plans (the 'Cadillac' tax).... The Act extends the ACA's PCORI fee for 10 years, meaning that insurers and employers will have to continue to pay this fee until 2029 or 2030, depending on their plan year."

The Wagner Law Group

Optimizing Your Organization's HSA

"Getting your employees to contribute or increase their contributions to their HSAs for more than just basic healthcare necessities is a task to be tackled from multiple angles. [1] Educate and empower ... [2] Know your audience ... [3] Communicate with a purpose."

Alight Solutions

Health Insurers and Retail Pharmacies Are Making a Play for Primary Care

"Primary care has long been a relatively small slice -- about 6% -- of the $3 trillion spent on U.S. health care each year. As the U.S. health care system has shifted from a fee-for-service model to one that emphasizes value ... interest in primary care has revived as it is viewed as a less expensive way to lower downstream health care spending."


Laptop Lost from Ambulance Back Bumper Leads to $65,000 HIPAA Settlement

"The CAP requires the company to perform an accurate, thorough, and enterprise-wide risk analysis of potential risks to the ePHI that it holds.... The company also must submit its proposed HIPAA training materials for workforce members to HHS for approval.... The CAP requires the company to adopt and implement written HIPAA policies and procedures that address key provisions under HIPAA's privacy, security, and breach notification requirements."

Thomson Reuters Practical Law


Insurers, Pharmacies and Primary Care Forming the Next Generation of Managed Care

"While there is considerable foot-dragging on the shift to single payer Medicare for All, the medical-industrial complex is rushing in to change the health care delivery system to position itself for optimal entrepreneurial advantage."

Physicians for a National Health Program [PNHP]


COBRA: Simple Concept - Complicated Rules

Sponsored by Lorman and BenefitsLink

Jan. 16 webinar. COBRA requirements for employers, including plans subject to COBRA, special COBRA rules for Health FSAs, when COBRA must be offered and for how long, and required notices. BenefitsLink discountLearn more


American Academy of Actuaries Comments to CMS on the HHS-RADV White Paper (PDF)

"The current [Risk Adjustment Validation (RADV)] process ... makes it extremely difficult for insurers to project RADV-related transfers and incorporate them into the rating process. In particular, the RADV approach has shown significant unpredictability and variability ... In the short term, it would be appropriate for CMS to focus on reducing issuer exposure to the variability and uncertainty in RADV-related transfers. In the long term, more significant changes to the program could be adopted that allow issuers more time to understand and adapt to changes."

American Academy of Actuaries

Selected Discussions
on the BenefitsLink Message Boards

Paperless Binder Solutions?

"What are people doing for paperless binder solutions (i.e., saving your workpapers). We currently have an Access program but we might outgrow it."

BenefitsLink Message Boards

Most Popular Items in the Previous Issue, Inc.
1298 Minnesota Avenue, Suite H
Winter Park, Florida 32789
(407) 644-4146

Lois Baker, J.D., President
David Rhett Baker, J.D., Editor and Publisher
Holly Horton, Business Manager

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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2020, Inc. All materials contained in this newsletter are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of, Inc., or in the case of third party materials, the owner of those materials. You may not alter or remove any trademark, copyright or other notices from copies of the content.

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