ACA Employer Mandates Delayed? No, Only Affects Penalties, Not Most Mandates

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“………the delay does not affect a number of provisions of ACA that are applicable to employer sponsored group health plans which are scheduled to take effect in 2014….  the delay affects only the penalties applicable to employers that fail to offer minimum value affordable coverage“mini-med” plans and stand alone health reimbursement accounts (HRAs) cannot be maintained after the 2013 plan year……

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How Employers Might Use Self-insurance To Sidestep Affordable Care Act Rules

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By Jay Hancock

Self-insurance has been called an Obamacare loophole. That’s because the arrangement – in which the employer pays medical bills instead of an insurance company – is immune to taxes, benefit requirements, profit limits and other rules set by the Affordable Care Act.

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