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If you are eligible for the small business tax credit, be sure you are on the right plan.

Are you eligible for a small business tax credit? Time is running out for 2014. On June 30, 2014, the Internal Revenue Service (IRS) issued a final rule on the employer health care tax credit. This new rule applies for taxable years beginning after 2013 and before 2015. To be eligible, an employer must: have […]

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The IRS Doesn’t Want your Company to Pay for Individual Coverage

As small employers (those with less than 50 FTEs) continue to evaluate the impact of the Affordable Care Act (ACA), growing minorities of business owners are seeking the healthcare off-ramp. Many of these employers believe that they and their employees may simply be better off on plans offered through the marketplace, particularly if their employees […]

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Did Your Insurance Carrier Send You A Letter?

Just when you thought Health Care Reform could not get any more confusing…. Many of you, both employer groups and individuals, may be receiving letters in the mail from your insurance carrier this week. This is a result of the announcement made by the President on November 14th where he said “If you like your […]

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Healthcare Open Enrollment Begins October 1st. What Does It Mean To You?

Open Enrollment Begins on October 1st All the talk. All the planning. All the preparation. Everyone must have healthcare coverage in 2014 and open enrollment and our Cover Oregon Exchange Marketplace begins in just a few short days. What is Open Enrollment and what does it mean to me? Since the law passed in 2010, […]

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Cover Oregon and Scammers

Verify who is on the other end of the phone – use your broker partner Unfortunately, we all have to be careful and on the lookout for scams. The authorities are quite worried that many will be put to the test when enrollment in Cover Oregon begins in October. Our Cover Oregon team has done a fabulous job communicating […]

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Health Care Reform – It matters where you live

Colorado, Oregon or Missouri – Where do you fit in? While we have general guidelines under the Affordable Care Act on a national level, we have very different ideas on how we want health care in our individual states. Oregon and Colorado are full speed ahead building a diverse health care exchange platform to assist […]

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Pay or Play Delayed – For Immediate Release

For Immediate Release – Play or Pay Delayed The Obama Administration announced Tuesday afternoon that it would delay the penalty and reporting provisions of the ACA’s employer mandate (also known as “Play or Pay”) until 2015. This was due in part to comments from interested parties concerned with the complexity of the proposed regulations amid […]

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Health Care Reform and Individual Insurance. What’s next?

All individual insurance plans will change at the end of this year. What’s next? In the state of Oregon, all individual insurance plans will change at the end of the year on 12/31/13. In the 4th quarter of this year (just a few short months away), if you hold an individual insurance policy or are […]

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Everyone will be affected by Health Care Reform. Plan Ahead.

The Affordable Care Act requirements are different for individuals and small and large businesses. How do I know what is required of me? Our national health care policy is changing. Yes, that means everyone will be affected in some way, shape or form by the Affordable Care Act. It most important that you find a […]

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Cadillac Tax Under Health Reform in 2018 – Do I need to plan now?

The Cadillac Tax or Excise Tax on High Cost of Coverage takes effect in 2018. In January 2018, there will be a 40% excise tax on health insurance plan premiums that exceed a certain threshold. Today, (because regulations change daily),  that threshold is $10,200 for individual coverage and $27,500 for family coverage. These amounts will increase for certain businesses such […]

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