Volume 4, Number 12

Contracts, Compliance, and Research
Small Businesses May Be Able to Re-Enroll in Current Coverage
The federal government is encouraging states to adopt a transitional policy which would allow a health insurance issuer, at its option, to continue group coverage that would otherwise be terminated or cancelled. Affected small businesses may choose to re-enroll in such coverage for 2014.
On November 21, 2013, the Wisconsin Office of the Commissioner of Insurance (OCI) issued a memo to health insurers stating that it will allow carriers to renew, at their option, non-ACA compliant individual and small group coverage that was in effect on Oct. 1, 2013, for a policy year to begin between Jan. 1, 2014 and Oct. 1, 2014. However, it will be up to individual insurance companies to determine whether this is possible.
The Affordable Care Act  includes requirements for small group health insurance that is renewed for a policy year starting between Jan. 1, 2014 and Oct. 1, 2014:
  • cover essential health benefits;
  • limit premium variations to age and tobacco use, family size, and geography;
  • offer guaranteed availability and renewability of coverage for employers; and
  • provide coverage for individuals participating in approved clinical trials.

CCIIO Guidance on Submitting Enrollment Counts for Reinsurance Contributions



Q: When must a contributing entity submit its enrollment count for the purposes of making reinsurance contributions?


A: Pursuant to 45 CFR 153.405(b), a contributing entity must submit to HHS its annual enrollment count for the transitional reinsurance program no later than November 15 of benefit year 2014, 2015, or 2016, as applicable. Therefore, for the 2014 benefit year, a contributing entity must submit its annual enrollment count by November 15, 2014. The count must identify the number of covered lives of reinsurance contribution enrollees during the applicable benefit year for all the contributing entity's plans and coverage described in 45 CFR 153.400(a)(1).


Click here for the CMS Fact Sheet.

Health Care Reform Updates
FSAs Now Have Rollover Option
eflex group
E is for ERISA
On October 31, 2013, the IRS released Notice 2013-71 that offers an option for flexible spending account (FSA) participants to rollover up to $500 at the end of the plan year. Employers can choose the new rollover option, a grace period (currently 2.5 months), or no carry-over option. If electing to offer the rollover option, the plan must be amended before December 31, 2013.
Click here to read more.
Click here for more information on Notice 2013-71.

What you need to know:

  • Applies to 2013 plan years and 2014 plan years.
  • Applies only to health FSAs (including Limited FSAs).
  • Groups with existing FSAs that want to replace the 2.5-month grace period with this new rollover option need to amend the plan.
  • Does not affect the $2,500 maximum contribution currently in place.
  • The $500 rollover may be used for expenses incurred in the new plan year (i.e., 2014) as well as expenses from the previous plan year. 
  • Employer is not required to offer the carryover or the 2.5-month grace period.  

Please contact your BSG account manager if you wish to amend your plan for the rollover.

Enlighten Header_Wellness
Clinical Trial
Guidance on the Use of Biometric Screenings as a Workplace Wellness Tool 

J Occup Environ Med. 2013


Three national health organizations have issued new guidance to help employers create more successful programs for gathering health-screening information from employees.
"Biometric Screening for Employers" from the Health Enhancement Research Organization (HERO), the American College of Occupational and Environmental Medicine (ACOEM), and the Care Continuum Alliance (CCA) can assist employers who are considering biometric screening as part of an overall employee health management approach. The report provides detailed suggestions on the many variables that must be taken into account in order for biometric screening programs to succeed.

If you are not a regular subscriber to Enlighten, or our special edition issues, please join our distribution list to receive our regular e-newsletters. 

Enlighten - BSG Events

Coming in 2014:
SFSP Health Care, Retirement & You Summit
January 21, 2014
Click here for more information.
AFS Wisconsin Regional Foundry Conference and Exposition Sustainability
February 13, 2014
Click here for more information. 


Client Reminder: More information regarding Health Care Reform and other benefit resources are available on the HR360 website, available to BSG clients under the "Resources" menu of your HR Express website.
BSG subscribes to this service for your benefit. If you would like to learn more regarding this resource, please contact your account management team at BSG. 
Additional Tools:
  • Pay or Play Toolkit
  • 2013 Health Care Reform Checklist
  • Performance Review Builder 














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Enlighten is published by The Benefit Services Group, Inc., (BSG®) and is provided free of charge to select BSG client representatives and associates.


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The preceding is not intended to be and is not offered as legal advice. We are prohibited from the practice of law. Compliance is the responsibility of the employer or Plan sponsor and affected employees who should seek their own legal counsel regarding questions about information presented in this newsletter.

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