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Healthcare Reform

According to the Nationa Law Review , posted on Wednesday, December 23, 2015, New York State Hospitality Industry employers face several significant changes to employee compensation, effective December 31.
These changes result from:
  1. The final stage of the three-step state minimum wage increase passed by the New York State Legislature,
  2. A new Hospitality Industry Wage Order enacted by the New York State Department of Labor, and
  3. As applicable, a new proposed Fast Food Industry Wage Order recommended by a “Wage Board” and adopted by the New York State Commissioner of Labor in an Order dated September 10, 2015.
Significant Changes to New York State Hospitality Industry Wage and Hour Laws Effective 12/31/15 - See more at:




Originally published by the National Association of Health Underwriters on December 18, 2015.

The House of Representatives has now passed legislation that will delay the Cadillac/excise tax for two years. The provision was included in a $1.1 trillion omnibus government spending and tax-break package. It is now headed to the Senate and is expected to pass later today. President Obama is expected to sign it into law next week.

The Cadillac tax calls for a 40% excise tax on the amount of the aggregate monthly premium of each primary insured individual that exceeds the year's applicable dollar limit, which will be adjusted annually to the Consumer Price Index (CPI) plus 1% initially and then CPI. Given that the pace of medical inflation is well beyond that of general inflation, the tax is destined to outgrow itself in short order and many employers will be impacted by the cost of the tax and the enormous compliance burden that the tax creates. Mercer estimated that a third of employers would be subjected to the tax by 2018 when it was originally set to kick in, and that 60% of employers could be hit by 2022. Because of the projected wide reaching effect of the tax, many employers may be deterred from offering coverage.

The delay of the Cadillac/excise tax is effective for 2018 and 2019, meaning that without further legislative adjustment or repeal, the tax will now be scheduled to take effect beginning in January 2020. Language in the package also permanently makes the tax deductible to employers and calls for a study by the comptroller on appropriate age and gender adjustments in consultation with the National Association of Insurance Commissioners (NAIC).

ThevWallStreet Journal reported that Federal officials said that uninsured people who do not get coverage by the end of the open enrollment period on January 31 will not be given an extension.

PDF-icon2SM Click here for the Wall Street Journal Article


December 15, 2015: Marketplace Open Enrollment First Deadline
Next Tuesday, December 15, 2015 is the last day for consumers to enroll in or change plans for new coverage to start on January 1, 2016. As the deadline approaches, the Centers for Medicare & Medicaid Services (CMS) expects heavier-than-normal traffic at the Marketplace Call Center and at HealthCare.gov. To help make sure that your clients are able to submit their applications on time, CMS offers the following suggestions to help you and your clients navigate the Health Insurance Marketplace:

PDF-icon2SM Click here to download the full pdf document

Senate Passes Bill Repealing Key Parts of Affordable Care Act

In an update from LifeHealthPro and other major news resources - we have breaking news.  

Members of the Senate have voted 52-47 for a version of a House bill, H.R. 3762, that would block implementation of major Patient Protection and Affordable Care Act (PPACA) commercial health insurance market provisions by killing a key PPACA funding mechanism. The Senate narrowly passed a bill Thursday that would repeal key pieces of the Affordable Care Act.

The bill, which only needed 51 votes to pass because it was being considered using a procedure allowing it to bypass typical Senate procedures which require 60 votes to advance a piece of legislation, passed 52 to 47.

PDF-icon2SM Click here to download the full pdf document