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eTrain: The Changing Landscape for Employer Health Plans: What Credit Unions Need to Know
Health care reform dominates the focus of many employee benefit plan advisers these days – with good reason. The deadline for compliance with the Patient Protection and Affordable Care Act (ACA) is only months away.
What is an Exchange? Who can qualify for a premium subsidy? How will the new ACA insurance reforms impact your credit union’s cost of health care coverage? And most importantly, what must you be doing now to be ready next January?
Whether your credit union is large or small, these new rules affect your bottom line. Please join a panel of attorneys from Venable LLP as they discuss these rules and share their insight on how to best leverage this changing landscape.
The panel will address the following topics:
Demystifying the health care exchanges
- What they are
- Their relationship to employers and their health plans
- New notices and reporting requirements
Preparing for the employer mandate
- Determining if the mandate applies
- Deciding to play or pay, and avoiding doing both
- Identifying your full-time employees
- Determining whether your plan offers affordable coverage and minimum value
Planning for new assessments
- Patient-Centered Outcomes Research Institute (PCORI) fees
- Transitional reinsurance program fees
- Additional Medicare tax
- “Cadillac” tax
Evaluating your plan design
- Limitation on waiting periods
- Adding automatic enrollment
- Satisfying benefit mandates
- Structuring enhanced wellness programs
Who should attend?
If you are responsible for your credit union’s healthcare benefit program, this is an important program you should not miss:
- Human Resources
- Board of Directors
Meet the presenters: This program will be presented by these attorneys from Venable LLP:
Thora A. Johnson focuses on tax-exempt organizations, employee benefits and executive compensation matters. She advises clients on the establishment and operation of tax-exempt organizations and counsels clients on the establishment and operation of qualified and non-qualified deferred compensation plans and health and welfare benefit plans. She routinely reviews and drafts employee benefit plans, summary plan descriptions, and other employee communications and negotiates vendor contracts. She regularly works with clients to structure comprehensive compliance programs and procedures to comply with the privacy and security requirements of HIPAA. She has broad expertise in health plan compliance, including ERISA, the Internal Revenue Code, HIPAA (privacy and portability), and PPACA. She has been helping employers navigate health care reform from its enactment in March 2010, and is a frequent speaker and writer on the topic.
Christopher E. Condeluci focuses his practice on employee benefits and tax policy, with a specific emphasis on health care reform, retirement and compensation policy. As former Tax Counsel to the Senate Finance Committee, Chris actively participated in the health reform debate and he is one of the few senior staffers to join the private sector since the enactment of the Patient Protection and Affordable Care Act. Through his experience on Capitol Hill and the development of this important legislation, Mr. Condeluci helps clients with compliance with the new health care law. He can also advise on shaping any future health care-related legislative initiatives that may affect his clients.
Jennifer Spiegel Berman is a member of the firm's Employee Benefits and Executive Compensation Group. She handles a broad range of employee benefits and executive compensation matters, including tax-qualified retirement plans, executive compensation arrangements, cafeteria plans, and health and welfare benefits plans. Ms. Berman regularly counsels clients regarding ongoing employee benefit compliance issues and assists clients in developing and implementing compliance programs. Among other things, Ms. Berman routinely negotiates service contracts and drafts employee benefit plans, summary plan descriptions and employee communications. Ms. Berman has become a leader in analyzing health care reform developments and frequently serves as a speaker and commentator on a wide variety of health care reform and employee benefits issues.
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