Posts Tagged health insurance rates

Adjusted Community Rating under PPACA

Adjusted Community Rating under PPACA is explained here, what Employers and Individuals need to know.

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

Individuals NEED TO Click here for important information as it relates to the ACR, how you might qualify to save money before the end of 2013.

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Taxes & Fees under PPACA Healthcare Reform

This is an overview of the Penalties, Taxes, Fees, and other items that need to be considered and calculated by individuals and businesses as it relates to the Provisions and mandates under the Patient Protection and Affordable Care Act PPACA.

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

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Essential Health Benefits under Healthcare Reform PPACA

Below in the BOX is a list of resources that you can use to understand what “EHB” or Essential Health Benefits are and how they work, who is respondible for providing them and who is exempt.

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

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Minimum Loss Ratio’s Under PPACA

Check out this folder below for resources that explain what the MLR (Minimum Loss Ratios) are and how they can affect you, your company.

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

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Grandfathering Under the Affordable Care Act

Grandfathering Under the Affordable Care Act

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

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Appeals under the Affordable Care Act

Appeals under the Affordable Care Act

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

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Summary of Benefits and Coverage under the Affordable Care Act

Summary of Benefits and Coverage under the Affordable Care Act

For more information for Individuals CLICK HERE OR For Employers CLICK HERE or check out the BOX documents below for more resources on this topic.

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Preventive Care Available under the Affordable Care Act

Preventive Care Available under the Affordable Care Act

For more information for Individuals CLICK HERE OR For Employers CLICK HERE check out the resources in the BOX folder below as well.

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Why Healthcare Reform – An Overview

Why Healthcare Reform – An Overview

For more information for Individuals CLICK HERE OR For Employers CLICK HERE

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Health Reform (ACA) is Upheld by Supreme Court

Today, the Supreme Court issued an opinion related to health care reform. A divided Supreme Court upheld the constitutionality of the Obama administration’s health-care law. The court said Congress was acting within its powers under the Constitution when it required most Americans to carry health insurance or pay a tax. Chief Justice Roberts’ vote saved the ACA.

The Affordable Care Act, including its individual mandate that virtually all Americans buy health insurance, is constitutional. There were not five votes to uphold it on the ground that Congress could use its power to regulate commerce between the states to require everyone to buy health insurance. However, five Justices agreed that the penalty that someone must pay if he refuses to buy insurance is a kind of tax that Congress can impose using its taxing power. That is all that matters. Because the mandate survives, the Court did not need to decide what other parts of the statute were constitutional, except for a provision that required states to comply with new eligibility requirements for Medicaid or risk losing their funding. On that question, the Court held that the provision is constitutional as long as states would only lose new funds if they didn’t comply with the new requirements, rather than all of their funding.

The bottom line is that the entire ACA is upheld, with the exception that the federal government’s power to terminate states’ Medicaid funds is limited.

Please see below for a detailed overview of each opinion.

health reform supreme court ruling

  1. The individual mandate survives as a tax. The only effect of not complying with the mandate is that you pay the tax. The Court holds that the mandate violates the Commerce Clause, but that doesn’t matter b/c there are five votes for the mandate to be constitutional under the taxing power. The Court holds that the Anti-Injunction Act doesn’t apply because the label “tax” is not controlling.
  2. The Medicaid provision is limited, but not invalidated.  A majority of the Court holds that the Medicaid expansion is constitutional but that it will be unconstitutional for the federal government to withhold Medicaid funds for non-compliance with the expansion provisions. Another way to think about Medicaid is that the Constitution requires that states have a choice about whether to participate in the expansion of eligibility; if they decide not to, they can continue to receive funds for the rest of the program.

Click here to read the official opinion.

 

Original Posted by Rick Lindquist on Thu, Jun 28, 2012 @ 09:15 AM

at: http://www.zanebenefits.com/blog/bid/178522/Health-Reform-ACA-is-Upheld-by-Supreme-Court?source=Blog_Email_[Supreme%20Court%20Rules%20]

 

From the beginning of the Chief’s opinion: “We do not consider whether the Act embodies sound policies. That judgment is entrusted to the Nation’s elected leaders. We ask only whether Congress has the power under the Constitution to enact the challenged provisions.”
Posted @ Thursday, June 28, 2012 10:03 AM by Rick Lindquist

 

English: The United States Supreme Court, the ...

English: The United States Supreme Court, the highest court in the United States, in 2010. Top row (left to right): Associate Justice Sonia Sotomayor, Associate Justice Stephen G. Breyer, Associate Justice Samuel A. Alito, and Associate Justice Elena Kagan. Bottom row (left to right): Associate Justice Clarence Thomas, Associate Justice Antonin Scalia, Chief Justice John G. Roberts, Associate Justice Anthony Kennedy, and Associate Justice Ruth Bader Ginsburg. (Photo credit: Wikipedia)

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