The COBRA Blog

COBRA CONUNDRUMS: Recent Case Reveals the High Cost of COBRA Non-Compliance

Posted by Robert Meyers on Mon, Jun 20, 2016 @ 17:06 PM

Given the availability of Marketplace coverage, is a missed COBRA notice really that big of a deal?

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Tags: cobra non-compliance

Health Reform: Has the Death Spiral Come to Life?

Posted by Robert Meyers on Thu, Apr 14, 2016 @ 08:04 AM

A long time ago in a galaxy far, far away … insurers and industry experts warned of an impending Affordable Care Act (ACA) death spiral.  In my mind, the term “death spiral” conjures up images of the death star while the Star Wars Imperial March song begins playing in my head. 

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Tags: Health reform

COBRA Administration for FSA Carryovers – Answers at Last!

Posted by Robert Meyers on Thu, Feb 25, 2016 @ 10:02 AM

Health Flexible Spending Accounts (FSAs) are subject to COBRA.  However, most FSAs are only required to offer COBRA if the account has a positive balance.  In other words, the beneficiary has contributed more that he or she has received in reimbursements.  If the account is overspent, COBRA does not have to be offered. 

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Tags: fsa under cobra

Affordable Care Act Reporting Deadline Extended!

Posted by Robert Meyers on Thu, Jan 07, 2016 @ 12:01 PM

In a somewhat expected move, the IRS announced a last-minute extension of the looming deadlines for Forms 1094 and 1095.  The extension is good news for employers and insurers still trying to figure out exactly how to report all of the necessary information for 2015.  

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Tags: aca reporting

HSA Eligibility and the Marketplace – Yet another Reason why COBRA may be the Better Choice

Posted by Robert Meyers on Fri, Dec 11, 2015 @ 08:12 AM

Employees losing employer group health coverage may be surprised to learn that selecting a Marketplace or individual plan with an extremely high deductible will render them ineligible to contribute to their Health Savings Account (HSA).

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Tags: HSAs and COBRA administration, hsa

Health Reform Update: Is the Affordable Care Act a Sinking Ship?

Posted by Robert Meyers on Tue, Dec 01, 2015 @ 13:12 PM

Thus far, the 2016 Marketplace open enrollment season has signaled nothing but stormy seas ahead.  In order to receive a federal subsidy to help pay for health insurance, qualifying individuals must purchase health insurance through the federal Marketplace or a state-sponsored exchange.  So, what happens when insurers stop offering coverage through the Marketplace?

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Tags: health reform update, affordable care act

COBRA Cheat Sheet: IRS ACA Reporting Rules

Posted by Robert Meyers on Wed, Nov 18, 2015 @ 12:11 PM

The very first Affordable Care Act (ACA) reporting deadline is quickly approaching. In fact, individual statements must be sent to employees no later than February 1, 2016.

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Tags: aca reporting

COBRA CONUNDRUMS – Do COBRA Obligations Exist Even if Coverage Does Not End?

Posted by Robert Meyers on Tue, Nov 03, 2015 @ 17:11 PM

Do COBRA obligations exist even if coverage does not end? This seems like a silly question. COBRA, after all, provides continuation under an employer’s plan after a loss of coverage. However, as with most things involving health insurance (think Affordable Care Act), the term “loss of coverage” is more complicated than you may think.

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ACA Alert: It’s Time to Catch Up on Reporting Requirements

Posted by Robert Meyers on Thu, Sep 24, 2015 @ 13:09 PM

Summer has officially ended.  By now, your kids are back in school, your tan is fading and the end of the year will be here before you know it.  It is time to play catch-up on ACA reporting. 

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Telemedicine and COBRA Administration

Posted by Robert Meyers on Mon, Sep 14, 2015 @ 11:09 AM

Telemedicine is catching on.  Telemedicine programs continue the integration of technology and medicine.  Using a telemedicine program might allow an employee to call, send an email, send pictures via text message or even participate in a video call with a doctor to receive a medical diagnosis or advice. 

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