NAHU represents licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers and individuals seeking health insurance coverage.
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Get Your Health FSAs, HRAs & HSAs Into Compliance - March 12, 2015
Employers are turning to consumer-directed health care to help lower costs more than ever. Many employers turn to health flexible spending accounts ("health FSAs"), health reimbursement arrangements ("HRAs") and health savings accounts ("HSAs") to accomplish this goal. These are all types of consumer-driven health care, each with its own compliance-related issues. Surprisingly, many employers do not realize that health FSAs and HRAs require ERISA compliance. Plus, healthcare reform and recent IRS regulatory guidance impacts consumer-directed accounts. Employers must be more cautious than ever to ensure they are not inadvertently operating their consumer-directed plans out of compliance with a variety of employee benefits laws.
Click here to view the PowerPoint.

Five Key Steps to Creating a HIPAA Compliance Plan (Alternative MP4 Format) - February 26, 2015
During this 30-minute NAHU member-exclusive webinar, Ebenconcept's David Smith will cover the key steps an agency needs to complete to achieve and maintain compliance including:

When Employees Can Change Their Benefit Elections During A Plan Year (Alternative MP4 Format) - February 5, 2015
As benefit professionals well know, almost every employer allows employees to pay their share of their group welfare benefits with pre-tax payroll deductions. In those situations, federal regulations limit when employees can make changes to those payroll deductions in the middle of a plan year.

This NAHU member-exclusive Compliance Corner webinar will review the Section 125 mid-year change of election rules, which governs those changes. This webinar will also review the fundamental requirements that must be met before employers can allow a mid-year change and the specific events that may give rise to an election change opportunity. This will include a review of the two new change events related to enrollment in marketplace provided Qualified Health Plans. Lastly, this webinar will review the rules governing mistaken elections and offer guidelines for situations where employees claim their benefits don't match their election intent.
Click here to view the PowerPoint.

Reporting Requirements Mandated Under IRC Sections 6055 and 6056 (Alternative MP4 Format) - January 15, 2015
Now that 2015 is upon us, health insurance agents and their clients need to make sure they understand the health plan information reporting requirements mandated under IRC Sections 6055 and 6056.

Even though actual reporting under Sections 6055 and 6056 doesn't need to be submitted until 2016, responsible entities need to know now what information they will need to be tracking starting in January of 2015. They also need to implement systems to properly gather and retain that information. In addition to insurance carriers, responsible entities include self-funded group health plans of all sizes and employer group plans subject to the law's employer mandate requirements (aka Applicable Large Employers).

This member-exclusive webinar will review the latest published information on the required reporting forms including each of the data elements that employers will be required to report to the federal government annually for enforcement of both the employer and individual responsibility requirements. This webinar will also review in detail which entities are required to file, the filing deadlines and the filing methods.
Click here to view the PowerPoint.
Click here to view the Questions and Answers document.

Looming ACA Rules Impacting Small & Large Employers: Updates on Late-Breaking Guidance (Alternative MP4 Format) - December 11, 2014
During this must-attend NAHU webinar, ThinkHR's Laura Kerekes, author of the monthly "Thinking about HR" column in our HIU magazine, will address the human resources and compliance issues brokers and their clients are facing every day. She will provide practical insights into the 2015 human resources challenges brokers need to know and can share with their clients.
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Selling in the FF-SHOP? Compliance Tips You Need to Know! (Alternative MP4 Format) - November 20, 2014
If you are not an avid reader of the Q&As released by REGTAP and planning on selling in the Federally Facilitated-Small Business Health Options Program (FF-SHOP), this Compliance Corner webinar is for you. There are several issues with state laws that the FF-SHOP is not able to administer in this initial rollout. In this NAHU member-exclusive Compliance Corner webinar, Carol Taylor and Jessica Watts will discuss state law issues, COBRA and other eligibility pitfalls that you and your clients need to know. They will also review regulations surrounding participation and contribution rules in the FF-SHOP.
Click here to view the PowerPoint.

The Privacy Requirements for Selling on the Health Insurance Marketplace (Alternative MP4 Format) - October 30, 2014
You took the Centers for Medicare and Medicaid Services (CMS) training online and are now authorized to assist clients buying insurance through health exchanges. Now that you're qualified, the question is, do you really comprehend the privacy requirements on protecting your client's health information? Attend this free NAHU-member webinar that will help you understand:

Click here to view the PowerPoint.

Leverage Your State's Marketplace To Grow Your Agency (Alternative MP4 Format) - October 9, 2014
Join us for a one-hour NAHU member exclusive webinar on what it takes to retool an agency and take advantage of the business opportunities presented to agents by the introduction of the marketplaces. The webinar host, Bill Lucas of Bill Lucas Insurance in Savannah, Georgia, will define clear and actionable items based on his expertise in assisting with federally facilitated marketplaces and opening multiple retail locations around Georgia to serve individuals drawn into the health insurance market by PPACA.
Click here to view the PowerPoint.
Click here for the speaker’s client facing webpage.

Open Enrollment Season Checklist (Alternative MP4 Format) - September 11, 2014
Even though summer doesn't technically end until September 21, we're already in back-to-school mode and hope you are too! With open enrollment just around the corner, we want to be sure you and your clients are prepared as can be for the busy months to come.
Click here to view the PowerPoint.

Office for Civil Rights Audit Mandate - Will Your Business Meet HIPAA Privacy & Security Requirements? (Alternative MP4 Format) - August 7, 2014
Did you know that since 2009 there have been over $100 million in fines levied against health insurance carriers, hospitals, physicians and other parties over HIPAA Privacy and Security requirements? The percent of those fines attributable to lost or stolen computer data, or even not properly disposing of an old computer, is truly scary. And recently, the Obama Administration has announced their intent to conduct thousands of audits of both covered entities and business associates in the next year to ensure compliance. Since agents, brokers and consultants are liable for similar breaches along with a whole set of new rules as business associates for their group clients and various health insurance companies, you have a much higher standard to meet.

Our presenter David Smith will provide you with a deeper understanding about what you need to do to be compliant as well as new programs that will be available from NAHU to demonstrate your compliance and readiness for these HIPAA Privacy and Security Rules, and training and other tools to make sure you stay up-to-date on these ever-changing rules.
Click here to view the PowerPoint.
Click here to view the Questions and Answers document.
Click here to view the Questions Log.

Summary Plan Descriptions: What's Really Required and How to Comply (Alternative MP4 Format) - July 10, 2014
Join us for our Compliance Corner webinar presented by Robert Marcino, principal of Strategic Recovery Partnership Inc., on ERISA summary plan descriptions and other requirements. Department of Labor (DOL) audits are on the rise and most employers are not aware of the legal responsibilities under ERISA, which was enacted in 1974. In this webinar, you will learn what size groups ERISA applies to for not only SPDs, but for IRS 5500 filings as well. A short review of COBRA and PPACA and how these laws work together will also be presented. Don't wait for a DOL audit with one of your clients to find out what employers should be doing now to get into compliance!
Click here to view the PowerPoint.
Click here to view the supporting document.
Click here to view the Questions and Answers document.

Understanding Section 125 Qualifying Events, HIPAA Special Enrollment Rights and Marketplace Special Enrollment Periods (Alternative MP4 Format) - June 19, 2014
It's a topic that always garners questions: Section 125 qualifying events. When an employer permits an employee to pay pre-tax dollars for health benefits, the employee cannot change that election mid-year without experiencing a qualifying event and only if the employer has adopted the optional Section 125 event permitting the change. Unless, of course, the event qualifies as a HIPAA special enrollment right, in which case the employer must allow the election change (such as in the event of a marriage, birth and adoption, among others).

With the recent rollout of the health insurance marketplaces, this discussion gets even more complicated when considering the new special enrollment periods, which are not governed under Section 125 rules. Join us for an in-depth discussion on when employees and exchange individuals are able to make election changes, what type of changes are consistent with an event and when that change should be effective. As part of the webinar, we will also examine the availability of coverage options for existing COBRA beneficiaries through the marketplaces.
Click here to view the PowerPoint.

The Impact of Agency Guidance on Marketing Individual Medical Coverage Through Employer-Based Arrangements (Alternative MP4 Format) - May 22, 2014
Join John Hickman and Ashley Gillihan of Alston & Bird, LLP Health Benefit Practice as they walk you through recent agency guidance and its impact on marketing individual medical coverage through employer-based arrangements. Topics to be covered include HRAs, private exchanges and other defined contribution arrangements, important exceptions to the agency guidance and limitations on pre-tax treatment of individual medical coverage.
Click here to view the PowerPoint.
Click here to view the supporting document.

Final Employer Reporting Regulations (Alternative Format) - April 3, 2014
This Compliance Corner webinar will focus on the final employer reporting regulations that fall under sections 6055 and 6056 of the Internal Revenue Code. These regulations outline the health plan information that employers will be required to report to the federal government annually for enforcement of both the employer and individual responsibility requirements.

Large employers and insurers must generally begin collecting information beginning January 1, 2015 to report in 2016. These are complicated rules with new wrinkles for employers and insurers alike. Please join Anne Phelps, principal at Washington Council Ernst and Young, for this informative member exclusive webinar.
Click here to view the PowerPoint.

A Review of Hot Topics and Federal vs. State Related Issues (Alternative Format) - March 13, 2014
Please join Senior Director of Health Reform Compliance Pam Mitroff and NAHU Legislative Council Compliance Chair Carol Taylor for a member exclusive webinar covering a review of hot topics regarding health reform. Given the influx of questions - federal vs. state laws, hours, counting employees, composite ratings, participation and pediatric dental - Pam and Carol will provide further explanation in this one-hour open forum presentation.
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Department of Treasury Released the Final Rule on the Employer Shared Responsibility (Employer Mandate) (Alternative Format) - February 13, 2014
The Obama Administration released the final employer mandate coverage requirements on Monday, February 10, and they contain many changes for employers. The final rule extends existing transition relief for mid-calendar year plans, gives employers with 50 to 99 employees more time to comply and establishes that companies must offer insurance to only 70% of full-time workers in 2015, rather than 95%, among many other provisions. Join Senior Vice President of Government Affairs Jessica Waltman for a one-hour webinar to go through the new rule and discuss what this really means regarding employee health coverage.
Click here to view the PowerPoint.
Click here for an analysis of the final employer shared responsibility rules.
Click here to access the IRS questions and answers on the employer shared responsibility provisions.

Are You Ready For A DOL Audit (Alternative Format) - January 13, 2014
This presentation will discuss the types of plans that are subject to an audit by the Department of Labor, what prompts a DOL audit, preparing for a DOL audit of your employee benefit plan and proactive measures. Please join Cindy L. Davis, principal of the law firm of Anderson, Helgen, Davis and Nissen, P.A. in Minneapolis. Ms. Davis has more than twenty years of experience and focuses her practice in the areas of employee benefits. She advises employers, trustees and other plan fiduciaries, as well as third-party administrators, in designing, implementing and operating all manners of employee welfare benefit and retirement benefit plans, applicable laws and the objectives of the sponsoring organization.
Click here to view the PowerPoint and supporting document.

The Day Before Thanksgiving Regulation Dump (Alternative Format) - December 5, 2013
The announcement regarding renewing non-grandfathered, non-PPACA compliant plans from January 1, 2013 to October 1, 2013 came as a surprise over the last few weeks. This NAHU Compliance Corner exclusive member-only webinar will help you better understand the ramifications behind the announcement, plus the five regulations that were released last Wednesday. For those of you who didn't read the 300 or so pages of new regulations, join NAHU Senior Vice President of Government Affairs Jessica Waltman and D & S Agency, Inc. Director of Compliance Carol Taylor for an overview of what you need to know.
Click here to view the PowerPoint.

Exchanges and HRAs After Notice 2013-54 (Alternative Format) - November 7, 2013
Health Reimbursement Arrangements (HRAs) give employers the opportunity to reimburse employees’ healthcare expenses on a tax-free basis. This presentation will address how HRAs are to comply with the Affordable Care Act with specific emphasis on recent guidance that addresses the use of HRAs and other employer reimbursement plans to reimburse employees for health insurance policies purchased on the individual market. Listen in with Bill Sweetnam, principal at the Groom Law Group, and Carol Taylor, NAHU Compliance Advisory chair, for this one-hour webinar.
Click here to view the PowerPoint.

Defense of Marriage Act Changes and the Impact on Employee Benefits (Alternative Format) - October 3, 2013
The United States Supreme Court's June 2013 ruling in the United States v. Windsor case, that overturned a portion of the Defense of Marriage Act, will have a substantial impact on employer-sponsored benefit plans. In recent weeks, several federal agencies have issued key guidance to provide employers and their benefit advisors with assistance to address related benefit issues like the tax treatment of health insurance for same-sex spouses, the impact of the ruling on ERISA and ERISA group benefit plans and changes to the applicability of the Family Medical Leave Act protections. This webinar will focus on the new guidance and other ways the ruling may affect employee benefits. Derek Dorn and Michael Hadley, tax and labor attorneys with Davis & Harman, LLP, will lead the discussion.
Click here to view the PowerPoint.

Minimum Essential Coverage (Alternative Format) - September 19, 2013
Many large employers are assessing the options to comply with PPACA and avoid the penalties. Large employers are required to offer minimum essential coverage to 95% of full-time employees to meet the requirement of offering coverage. Minimum essential coverage (MEC) does not equal minimum value coverage. Technically, MEC is something less than minimum value.

This webinar will discuss the distinctions between minimum essential coverage and minimum value. We will look at the so-called “skinny plans” that have been developed to meet MEC and discuss whether these plans may be part of the compliance solution and the pros and cons of this strategy.
Click here to view the PowerPoint.

The FLSA Exchange Notice – What your Employers Need to Know (Alternative Format) - September 5, 2013
The exchange notice that employers must distribute by October 1 has raised a number of questions and concerns. Join us for a one-hour exclusive member webinar that will provide answers to your questions:

Click here to view the PowerPoint.
Click here for the FAQ document on the FLSA exchange notice.

New HIPAA/HITECH Rules Implementation: September 23, 2013 Compliance Deadline (Alternative Format) - August 22, 2013
This webinar will help educate you about the heightened requirements under HIPAA Privacy and Security that will impact insurance agents, brokers and consultants beginning in September. The webinar is designed to identify key areas of interest and discuss products that will help provide both training and necessary paperwork to prove compliance. We will also discuss how your clients, as well as your subcontractors, must also be prepared to be compliant with the new rules.
Click here to view the PowerPoint.

Suggestions for email encryption. There are a number of vendors who can provide this service. Here is a list of folks we know to be good:

How to see if your laptop, portable is encrypted. I searched and found a couple good websites to help you answer this question.

How The Affordable Care Act Impacts Dental Coverage (Alternative Format) - August 1, 2013
The Affordable Care Act (ACA) requires dental benefits for children to be offered in small group and individual markets and on exchanges in 2014. Join dental industry thought leaders Evelyn F. Ireland, CAE, executive director at the National Association of Dental Plans (NADP), Jon Seltenheim, senior vice president of business and government strategy at United Concordia Companies and Jeff Album, vice president of public and government affairs for Delta Dental of California, New York, Pennsylvania and Affiliates to learn all the basic concepts and how these benefits will be included in embedded medical and separate dental plans offered on and off health insurance marketplaces.
Click here to view the PowerPoint.
Click here to view the handout with blanks and click here to view the handout with the answers.
Click here to view the ACA and dental coverage basics.

Employer Mandate Delay (Alternative Format) - July 11, 2013
The Department of the Treasury announced late July 3 that the Obama Administration intends to delay the application of the health reform law’s employer shared responsibility payments (aka employer mandate penalties, not the mandate itself) until 2015. Furthermore, information reporting by employers and health insurers regarding employer-sponsored coverage relative to the individual mandate and pay-or-play reporting will not be mandatory until 2015.

What this means is that the IRS will not assess employers penalties for failure to offer coverage in 2014 or for coverage mistakes in 2014. It seems that the earliest an employer could receive a coverage penalty would be 2015, with payments presumably due in 2016. Join NAHU and Council Ernst and Young for a one-hour webinar covering what could potentially change the entire landscape of the most crucial part of the law, how employers are reacting and how you can use the delay to help better prepare your clients.
Click here to view the PowerPoint.

Controlled Groups and Common Law Employees: Critical Concepts for Pay or Play Compliance (Alternative Format) - June 6, 2013
Sesame Street has The Count to help toddlers learn to count. NAHU has this month’s Compliance Corner webinar to help determine how to count employees. A critical concept is the application of controlled group rules to determine if separate businesses must be counted together. Controlled group rules are confusing and complex; in fact, the IRS has a 108-page chapter of guidance on this topic alone. A basic understanding of what these rules entail is critical to determining whether an employer is a large employer for purposes of the “pay or play” provisions of PPACA. Another term, “common law employee,” also is critical to determine which employees should be counted. Should a business owner be counted? What about independent contractors -- are they employees?

Recent guidance from the Department of Labor regarding exchange notices that employers will have to provide raises the issue of which employers have to comply. Employers subject to the Fair Labor Standards Act (FLSA) are tasked with this notice requirement. Join William Nichols of Laner Muchin Ltd. and NAHU Director of State Affairs Pamela Mitroff for this one-hour member-exclusive webinar and learn which employers are – or aren’t – subject to the FLSA.
Click here to view the PowerPoint.

In Depth Explanation - Differences in the Way Health Reform Law Defines Seasonal Workers (Alternative Format) - May 2, 2013
May’s Compliance Corner webinar focused on how employers need to track variable hour employees to comply with the law’s employer mandate requirements. Due to the popularity of that session, we’ve decided to delve a little deeper for our May webinar and will focus specifically on how employers must consider seasonal employees, which can include holiday workers, interns, summer help and more. The webinar will cover the differences in the way the health reform law treats seasonal workers as opposed to other federal requirements, show how employers account for the seasonal worker exemption when it comes to the applicability of the employer mandate and provide options for employers who definitely are subject to the law’s employer responsibility requirements in terms of managing and tracking the hours of their seasonal workers. The session will also cover how the law treats seasonal employees who may not be residents of the United States.
Click here to view the PowerPoint.

All You Ever Wanted to Know About Health Reform’s Employer Responsibility Requirements Regarding Counting Employees: A Close Look at the Employer Responsibility Rule and Variable Hour and Seasonal Employees (Alternative Format)- April 4, 2013
NAHU’s April 2013 Compliance Corner webinar focused specifically on the health reform law’s new employer responsibility requirements relative to counting employees. Beginning in 2014, employers with more than 50 full-time equivalent employees will have to offer coverage to all of their full-time workers. How to count those employees, particularly those that work variable hours, and determine if they are full-time or not is tricky business. Plus, many employer are unaware that they need to be thinking about counting and getting their methodologies in place NOW to be prepared for 2014 since the methods chosen can have a significant impact on an employer’s liability moving forward. Please join NAHU CEO Janet Trautwein for a one-hour webinar to discuss how the new measurement and stability periods work and how you can use this information to provide strategic advice to your employer clients.
Click here to view the PowerPoint and click here to the supporting document on the employer responsibility rule and variable hour and seasonal employees.

The Basics of a Department of Labor Audit II (Alternative Format) - March 7, 2013
This month's webinar focuses on the very specific employer compliance changes that the DOL will be looking for relative to health reform implementation. Ruthann Laswick, President of Bluewater Benefit Consulting and NAHU Professional Development Committee Vice Chair, joined NAHU’s Jessica Waltman for the presentation.
Click here to view the PowerPoint.

The Basics of a Department of Labor Audit (Alternative Format) - February 7, 2013
The Federal Department of Labor is responsible for enforcing ERISA requirements for all group health plans and many of the new PPACA requirements for employers through plan audits. The DOL recently increased its auditing and enforcement budget and estimates that three out of four plans audited have at least one ERISA violation. While the vast majority of these violations are unintentional, the possibilities for errors and significant penalties abound when it comes to group health plan administration. Benefit professionals need to be prepared for the possibility of their clients being subject to DOL audits, given their increasing frequency. More importantly, NAHU members need to be able to ensure that all of their clients are prepared to pass an audit before they ever receive a summons. This one-hour webinar, featuring Senior Vice President of Government Affairs Jessica Waltman and NAHU President-Elect Thomas Harte, will focus on DOL audit basics and what members and employer clients need to document and have at the ready should an audit notice arrive.
Click here to view the PowerPoint.

Understanding the New Proposed PPACA Employer Rules (Alternative Format) - January 16, 2013
NAHU’s retained counsel, Anne Phelps and Heather Meade of Washington Council Ernst and Young, presented a one-hour webinar on Wednesday, January 16 to discuss a proposed regulation outlining how the health reform law’s employer responsibility requirements will work that was issued by the IRS on January 2, 2013.
Click here to view the PowerPoint.

Strategic Considerations in Group Health Insurance—Walking Through 2014 Options - December 19, 2012
Jessica Waltman, Senior Vice President of Government Affairs, presented a one-hour webinar on Wednesday, December 19 that provided valuable information to help you walk through new 2014 options for clients to help them make strategic decisions that make the most long-term financial and competitive sense for them as well as for their employees.
Click here to view the PowerPoint.

The Impact of the 2012 Presidential and Congressional Elections on the Health Reform Policy Agenda - November 7, 2012
NAHU CEO Janet Trautwein and Senior Vice President of Government Affairs Jessica Waltman presented a one-hour member's only webcast on Wednesday, November 7 and discussed the results on the 2012 presidential and congressional elections. This session covered the impact the election results will have on health reform generally, as well as on NAHU's specific policy agenda.
Click here to view the PowerPoint.

Administration Releases Notices on Certain Employer Requirements Under the ACA - September 26, 2012
The Department of the Treasury released Notice 2012-58 regarding the definition of full-time employee for purposes of the assessment of the employer tax penalties under the Affordable Care Act ("ACA"), and the Departments of Labor, Treasury and Health and Human Services together released Notice 2012-59 on the ACA's 90-day limitation on waiting periods. The notices state that employers can rely on the guidance in the documents at least through the end of 2014. Heather Meade Washington Council Ernst & Young presented a one hour webinar covering highlights of the notices on the definition of a full time employee, tax penalties, types of safe harbor methods and 90- day waiting period limitations.
Click here to view the PowerPoint.

Summary of Benefits and Coverage: Final Rules Issued, Requirement Effective Beginning September 23, 2012 - September 21, 2012
The Affordable Care Act created a new disclosure requirement for group health plans and issuers: the summary of benefits and coverage (SBC). The September Compliance Corner webinar will go over in detail the requirements to provide an SBC, notice of modification, and uniform glossary applied for disclosures to participants and beneficiaries who enroll or re-enroll in group health coverage through an open enrollment period. For disclosures to plans, and to individuals and dependents in the individual market, these requirements are applicable to health insurance issuers beginning on September 23, 2012.
Click here to view the PowerPoint or Click here to view a PDF of an overview of the summary of benefits and coverage.

The Affordable Care Act: Summary of Employer Requirements - August 14, 2012
The August Compliance Corner webinar reviewed in detail all of the upcoming requirements our nation's employers will have to deal with in the coming years as a result of the passage of the Patient Protection and Affordable Care Act (PPACA) with a focus on how health insurance agents and brokers can best advise their clients about the coming changes to the world of employee benefits. Particular attention is paid to the new coverage requirements for employers so that attendees understand exactly how the employer mandate and penalty provisions of the law will work. In addition, we covered the information all employers will need to report to the federal government about their benefit plans and what responsibilities employers have with regard to the new health insurance exchanges. Presenters for this one-hour program are Anne Phelps, a partner at Washington Council Ernst and Young and NAHU CEO Janet Trautwein.
Click here to view the PowerPoint.

Health Reform in a Post-Supreme Court World - July 11, 2012
The United States Supreme Court announced its decisions on the four interrelated issues that made up the constitutional challenge to the Patient Protection and Affordable Care Act. The court has decided the individual mandate is a tax and thereby constitutional, and that the Medicaid expansion is also legal, although its provisions were limited. The entire measure stands as is except that the federal government's power to terminate states' Medicaid funds has been reduced. For purposes of implementation, virtually all of the law and all resulting regulations and deadlines proceed as scheduled. The only part of the law that will change has to do with the level of funds states may receive based on choices they make relative to their Medicaid programs.

With regard to the constitutionality of the individual mandate, the Justices voted 5 to 4 that Congress was within its authority to require that all Americans have health insurance coverage using its power of taxation. Justices Roberts, Ginsberg, Breyer, Sotomayor and Kagan voted to uphold the mandate. Justices Kennedy, Scalia, Alito and Thomas opposed the decision. The court also ruled that PPACA may allow states to expand their Medicaid programs. However, in the majority opinion, the Justices made it clear that if states do not want to participate in the PPACA expansion of Medicaid, they can continue to receive their existing level of funding for the rest of the program.

Since the Court voted to uphold the individual mandate and Medicaid expansion provisions of the law, the question of whether or not these provisions of the law are severable is moot. The majority opinion also made it clear that the federal Anti-Injunction Act does not apply because the label "tax" is not controlling.
Click here to view the PowerPoint or here for the Q&A section of the webinar.

This Summer's PPACA Compliance Requirements-Preventive Care, MLR Rebates and Getting Ready for the New Coverage Summaries - June 7, 2012
Several key provisions of the health reform law need to be implemented by employers later this summer and in the fall. Even though the law's future is currently questionable, given the pending decision by the Supreme Court and the upcoming November elections, responsible employers and brokers need to be making implementation plans, just in case.
Click here to view the PowerPoint or here for more information about PPACA Compliance Requirements.

Exchanges and Employer Sponsored Health Plans - May 9, 2012
In March 2012, the federal Department of Health and Human Services released final rules for health insurance exchanges. According to the health reform law, each state must have a qualified health insurance exchange up and running by January 1, 2014 to serve its individual and small group health insurance marketplace. If a state doesn't act in time to create an exchange, the federal government will step forward to create and operate one for the state. Employers have significant responsibilities relative to the exchanges, even if they don't elect to buy coverage there.
Click here to view the PowerPoint.

New Guidance on Summary Plan Benefits and Other Recent Regulations Part II - April 9, 2012
The Departments of Health and Human Services (HHS), Labor and Treasury continue to issue guidance implementing the Patient Protection and Affordable Care Act that will affect health plans and your business. Learn about recently issued guidance on the new summary of benefits requirements, auto-enrollment, 90-day wait period, treatment of newly hired employees, annual and lifetime limits and other important issues.
Click here to view the PowerPoint or here for more information about summary plan benefits.

New Guidance on Summary Plan Benefits and Other Recent Regulations - March 1, 2012
The Departments of Health and Human Services (HHS), Labor and Treasury continue to issue guidance implementing the Patient Protection and Affordable Care Act that will affect health plans and your business. Learn about recently issued guidance on the new summary of benefits requirements, auto-enrollment, 90-day wait period, treatment of newly hired employees, annual and lifetime limits and other important issues.
Click here to view the PowerPoint.

It is 2012 and the New Form W-2 Reporting Requirement is in Effect - February 2, 2012
Beginning in 2012, the Patient Protection and Affordable Care Act requires employers to report the cost of employer-provided healthcare on all Form W-2s issued after January 1, 2013. NAHU's benefits attorney, Heather Meade, from Washington Council Ernst & Young, provided a refresher on what types of coverage should be included in the reporting, valuation, transition relief for small employers, and an update on the recently issued IRS interim guidance Notice 2012-9. The update is of particular interest given some of the new guidance relating to HSAs, HRAs, FSAs, and Section 125 salary reductions.
Click here to view the PowerPoint presentation only. Click here to view interim guidance on informational reporting to employees of the cost of their group health insurance coverage.

COBRA Subsidy Extension: Key Changes - January 6, 2010
With the President's signature this week, the federal COBRA subsidy for involuntarily separated individuals has been extended and slightly modified. This goes into effect immediately so that individuals who are eligible for the subsidy will get up to 15 months of subsidized COBRA coverage.

This informative web recording will update and prepare you for the extension and how to best educate and prepare your clients for the new law's impact on the subsidy program.

How to Comply with New COBRA, GINA, HIPAA, Mental Health and Michelle's Law - January 7, 2010
*During this webcast, it was mentioned that the DOL was tasked with publishing a model CHIP notice for employers to use to satisfy their notice obligations under CHIPRA. Please click here to read a short client alert on the notice requirements.

GINA generally prohibits a group health plan from collecting or using genetic information (including family medical history) at or prior to enrollment. This affects health plans, wellness programs and FSAs. Compliance is required as early as January 1, 2010, but current actions for the upcoming plan year are also affected.

President Obama just signed a bill extending the federal COBRA subsidy by six months. It goes into effect immediately. The nine-month, 65% premium subsidy has been extended to a total of 15 months. Plus, the subsidy is available to employees or dependents who lose coverage under a group health plan through Feb. 28, 2010 — changed from Dec. 31, 2009.

HIPAA was recently amended to add new breach notification rules and to apply HIPAA requirements directly to business associates. Revisions to your HIPAA policies and business associates agreements are needed by February 2010.

Additional changes have occurred as a result of Michelle's Law (affecting students), the Mental Health and Substance Abuse Equity Act (mandating minimum levels for covered mental health and substance abuse) and many state laws (e.g. mandatory dependent coverage through certain ages). These changes affect both insured and self-insured plans. Cost saving approaches may be available.

New Regulations Have An Impact on Employers
In addition to the health care reform debate ongoing in Washington, a number of employment law issues have been passed or new regulations adopted that affect employers. David Smith, vice president of Health and Welfare Benefits with Financial Directions Group will bring you up to speed on the recent changes made to the Americans with Disabilities Act, Family Medical Leave Act, various discrimination laws, the Genetic Information Nondiscrimination Act and the Lilly Ledbetter Act so that you are aware of these new federal laws.

New HIPAA Breach Notification Regulations
Regulations were issued August 24th regarding notification requirements for breaches of unsecured PHI. The regulations are effective September 23, 2009, and generally affect "covered entities" such as employer health plans (e.g., medical, dental, vision, and health flexible spending accounts) and their business associates under the HIPAA privacy and security rules.

Under the new regulations, certain breaches of unsecured PHI that may cause financial, reputational, or other harm to an individual must be reported to the individual and to the federal government. A covered entity is required to train its workforce with respect to the new breach notice requirements, provide for a complaint procedure, set up breach notification policies and procedures, and meet other requirements in the new regulations.

Join Ric Joyner, David Smith and Tom Jacobs for a 90 minute webcast and find out how employers with group health plans should act now.

Mental Health Parity
Significantly expanded mental health parity requirements were enacted as part of the Emergency Economic Stabilization Legislation signed into law on October 3, 2008. Calendar-year health plans must be in compliance by January 1, 2010, yet new regulations are not expected until after implementation. Unfortunately, that leaves many open questions as the employer-sponsored plan industry struggles to implement the new requirements by the deadline.

Listen in on the review of the new requirements, hear insight as to how other companies are responding where there are open questions (including important strategy considerations), and listen to a discussion of how behavioral health management may be a valuable tool for compliance with the new law.

Presented by: Susan Relland, Miller Chevalier, and Patrick Gauthier, AHP Behavioral Health Consulting Group

The Critical Role of Brokers in the Purchase Process
As the focus on health care reform continues, it becomes increasingly important to understand the changing role of the agent/broker in supporting consumers. Though consumer concern around health care financial exposures continues to increase and overall consumers are shopping more, their purchases are not increasing. We will share a selection of insights generated from McKinsey & Company's Retail Health Care Consumer Survey, including:

Presented by: Jenny Cordina, McKinsey & Company

For more information, please contact Farren Baer.