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Health Care Reform –  What Employers Need to Know Now Joel Kopperud Scott A. Sinder
Overview ,[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Overview ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Employer Mandate   Issue:  Pay or Play? ,[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Employer Mandate Issue:  Pay or Play? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP Small Employers exempt
Individual Mandate/Subsidies Issue: Adverse Selection in Employer  Plans? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Market Reforms/Plan Design Changes ©2010 Steptoe & Johnson LLP ,[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Market Reforms/Plan Design Changes ©2010 Steptoe & Johnson LLP Applicable to All Plans:
Market Reforms/Plan Design Changes ©2010 Steptoe & Johnson LLP Applicable to All Non-”Grandfathered” Plans: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Market Reforms/Plan Design Changes ©2010 Steptoe & Johnson LLP ,[object Object],[object Object],[object Object]
Market Reforms/Plan Design – Timeline ,[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Market Reforms/Plan Design – Highlights ,[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Exchanges ©2010 Steptoe & Johnson LLP A web portal “marketplace” for health insurance ,[object Object],[object Object],[object Object],[object Object],[object Object],Individuals (no subsidies for ones offered employer-based coverage, unless that coverage is “unaffordable”) Small Businesses If up to 100 employees,  can buy thru Exchange ,[object Object],[object Object],[object Object],Self-insured plans not eligible to Participate
Exchanges Other Potential Plans in the  Marketplace ,[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP ,[object Object],[object Object],[object Object],[object Object],[object Object]
New Taxes/Tax Changes – Overview ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
New Taxes/Tax Changes – Highlights ,[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
New Taxes/Tax Changes – Highlights ,[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
New Taxes/Tax Changes – Highlights ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
New Fees May Prompt Higher  Premiums ,[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
New Reporting Obligations  ̶  Employers ,[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
New Reporting Obligations – SIPs/Carriers ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Wellness ,[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Others to Note ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],©2010 Steptoe & Johnson LLP
Please Note : ,[object Object],©2010 Steptoe & Johnson LLP
Health Care Reform –  What Employers Need to Know Now Joel Kopperud Scott A. Sinder

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  • 25. Health Care Reform – What Employers Need to Know Now Joel Kopperud Scott A. Sinder