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Health care law subject of forum

February 27, 2013

Health care reform is an area of concern and uncertainty for many employers.As it unfolds in the coming years, there may be confusion about how it applies to certain sized businesses.To help answer some of the questions about health care reform, Angelo State University and Wells Fargo are hosting a forum, “Understanding the Implications of Health Care Reform on Employers,” on Wednesday.

SAN ANGELO, Texas — Health care reform is an area of concern and uncertainty for many employers.

As it unfolds in the coming years, there may be confusion about how it applies to certain sized businesses.

To help answer some of the questions about health care reform, Angelo State University and Wells Fargo are hosting a forum, “Understanding the Implications of Health Care Reform on Employers,” on Wednesday, February 27, 2013. The distinguished speaker will be Liliana Salazar, senior vice president and practice co-leader of Wells Fargo Insurance. The talk will be at 10:30 a.m. in the C.J. Davidson Conference Center on the ASU campus. It is part of the Wells Fargo Distinguished Lectureship in Business series held since 1995.

In preparation for the talk, we’ll touch on some of the Affordable Care Act’s key provisions for small business employers, according to the U.S. Small Business Administration’s (SBA) website. First of all, if you are self-employed, starting in 2014 the individual shared responsibility provisions of the Affordable Care Act call for each individual to have basic health insurance coverage (known as minimum essential coverage), qualify for an exemption, or make shared responsibility payment when filing a federal income tax return.

Key provisions under the Affordable Care Act for employers with fewer than 25 employees are Small Business Health Care Tax Credits which are designed to encourage eligible small employers to offer health insurance coverage for the first time or maintain coverage they already have. Also, starting in 2014 they will have access to the new health care insurance marketplaces through the Small Business Health Options Program or SHOP.

There are many other provisions for employers with fewer than 25 employers such as summary of benefits disclosure rules, medical loss ratio rebates, and limits on flexible spending account contributions, just to name some.

Key provisions for employers with fewer than 50 employees are basically the same for employers with fewer than 25 except for the Health Care Tax Credits provision.

Key provisions for employers with 50 or more employers are employers’ shared responsibility provisions, in addition to provisions mentioned above and other provisions which are specific to employers with 50 or more employees.

As mentioned we are just touching on some of the provisions. So for a complete discussion of these provisions see the SBA website at sba.gov/healthcare. Also remember to attend the Wells Fargo Distinguished Lectureship event for a discussion of the topic.

For more information on the event see the website angelo.edu/dept/business/ and click on the event title on the lower right side of the page. It is open to the public and no registration is required.

“Business Tips” was written by Mr. Dave Erickson, Director and Certified Business Adviser IV, of Angelo State University’s Small Business Development Center. Contact him at David.Erickson@angelo.edu.

© 2013 San Angelo Standard Times. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. image

 

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