Health Reform | ACA

ACA | PPACA Updates

We have followed all the planning, preparation, communication, implementation and now changes in healthcare reform in Nashville and throughout Tennessee. We want to provide you relevant up to date resources to answer your questions and provide resources to help you do a better job. 

This is a moving target and we trust these resources but there does always seem to be different interpretations to many of the laws. 

Relevant websites

Kaiser Family Foundation
Affordable Care Act - Department of Labor
National Association of Health Underwriters 
Informed on Reform - Cigna

Preventive Care Services

All group and individual plans that do not have grandfathered status, including self-funded plans, have to cover specific preventive care services with no cost-sharing in plan years beginning on or after September 23, 2010. Additional specific women's preventive services must be provided without cost-sharing in plan years beginning after August 1, 2012. This provision in the law applies to most employers unless the employer qualifies for specific religious exemptions.

Extension of Coverage for Adult Children

All group and individual plans, including self-funded plans and grandfathered plans, in plan years beginning on or after September 23, 2010, have to cover dependent "children to age 26.

MLR Rebate Compliance

All individual, small group and large group health plans were subject to medical loss ratio (MLR) requirements beginning on January 1, 2011. Individual and small group insurers must ensure that 80% of their premium revenue is directed towards medical claims and large group insurers must adhere to an 85% MLR. Self-funded plans are exempt from this requirement. Any plan that does not meet these requirements beginning in 2011 must issue a rebate to consumers by August of the following plan year.

W-2 Reporting

The health reform law established that eventually all employers must include on Forms W-2 the aggregate cost of employer-sponsored health benefits, for informational purposes only. The provision was originally supposed to apply to benefits provided during taxable years after December 31, 2010. However, enforcement of this provision was delayed for one year and made optional for the 2010 tax year (reported in 2011). The IRS has also specified that for smaller employers (those filing fewer than 250 W-2 forms) this requirement remains optional through at least 2012 (i.e., for 2012 Forms W-2 that generally would be furnished to employees in January 2013). Optional treatment for smaller employers will remain in effect until further guidance is issued, which has not occurred yet.


We know working with Benefit Brokers that they look out for our best interest, not their own, when it comes to benefits. The benefit options they have provided us have resulted in our company saving a lot of money. The Benefit Brokers staff is always helpful and responsive when we have eligibility, claims questions or any other type of benefit issue. Avintus - Nashville, TN