Volume 5, Number 6

Health Care Reform Updates
ACA Countdown to Compliance for Employers, Week 36: Hacking the ACA's $100/day Penalties for Insurance Market Reform Violations
Mintz Levin
Employers have been justifiably concerned with pay-or-play penalties, but many may not be aware of insurance market reform penalties. At $100 a day, these can add up quickly. To read the full article, click here.


Talk to Employee
Where Can I Find Options Between Open Enrollments?
Kaiser Health News

Open enrollment in the health insurance exchanges is over, but there are still many people without health insurance coverage. Whether you are helping a family member or someone in your workforce, it's good to know what options are available. Read full article here.


Beware: Next Year, HSA Compatible HDHPs Cannot Use ACA Out-of-Pocket Limit

Lockton Health Reform Blog 


HSA plan sponsors take note: for 2015, HDHP out-of-pocket limits no longer match ACA-mandated out-of-pocket limits. Expect the difference to increase over time, since while the ACA limits are adjusted each year using the "premium adjustment percentage," the HDHP out-of-pocket limits are tied to the Consumer Price Index. Click here for the full article.

Enlighten Header_Wellness
Encourage Employees to Create and Maintain a Personal Health Record (PHR)

U.S. News Health


Approximately 12 million U.S. adults receive a wrong diagnosis in
outpatient facilities each year --
50% of these misdiagnoses could potentially harm patients. Click here to read the full analysis.


Having a PHR can help your employees be proactive in their health care planning. WELCOA offers a free PHA and additional tips to prevent medical errors  available from the Agency for Healthcare Quality and Research.

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BSG Events  

2014 Chicago Mid-Sized Retirement & Healthcare Plan Management Conference
June 8-11, 2014
Click here for more information.
Speakers: Jerry Frye, President, and Michelle Spehr, Health and Wellness Consultant



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
  • 2014 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.


By providing links to other sites, BSG does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to BSG.


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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