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Every day, our small business specialists are focused on superior customer service and tailored insurance protection for small businesses.  Our client-centric approach  is designed to make the insurance buying process easy for you so you can focus on what is important; your business! Here are some resources to guide you in your insurance buying process as well as key risk exposures that are facing small businesses today. 

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Healthcare Reform FAQs

Are you overwhelmed with all the details of healthcare reform? As regulations are issued, you may need further clarification. Gallagher has compiled an extensive list of frequently asked questions with answers provided by our compliance experts. Sections of the FAQs include Employer Responsibility, Individual Responsibility, Taxes and Subsidies, and Miscellaneous. Updated November 2017.

Tag(s): Healthcare Reform; Health & Welfare;

Directions Newsletter - November 2017

Directions newsletter is a monthly publication of the Benefits and HR Consulting practice of Arthur J. Gallagher & Co. The November 2017 issue includes articles about IRS indexed dollar values for 2018, IRS guidance on QSEHRAs, disaster relief following California wildfires, the withdrawal of one HIPAA regulation, the delay of a DOL regulation, a retirement savings checklist, a state law update, and several important reminders.

Objections Based on Moral Convictions to the Contraceptive Mandate

PPACA requires that group health plans and health insurance issuers offering nongrandfathered group health insurance include coverage of certain specified preventive services without cost sharing, including all Food and Drug Administration (“FDA”) approved contraceptives, sterilization procedures, and patient education and counseling for women with reproductive capacity, as prescribed by a health care provider (the “contraceptive mandate”). However, coverage of some or all contraceptives may conflict with an organization’s moral convictions. To accommodate those employers, the Departments of Labor, Health and Human Services, and Treasury (the “tri-agencies”) issued guidance setting forth some relief from the contraceptive mandate. This article spotlights the most significant PPACA issues raised by the exemption and accommodation process for organizations with objections based upon sincerely held moral convictions to the contraceptive mandate.

Tag(s): Compliance Consulting;

Objections Based on Religious Beliefs to the Contraceptive Mandate

PPACA requires that group health plans and health insurance issuers offering non-grandfathered group health insurance include coverage of certain specified preventive services without cost sharing, including all Food and Drug Administration (“FDA”) approved contraceptives, sterilization procedures, and patient education and counseling for women with reproductive capacity, as prescribed by a health care provider (the “contraceptive mandate”). However, coverage of some or all contraceptives may conflict with an organization’s religious beliefs. To accommodate those employers, the Departments of Labor, Health and Human Services, and Treasury (the “tri-agencies”) issued guidance setting forth some relief from the contraceptive mandate. This article spotlights the most significant PPACA issues raised by the exemption and accommodation process for organizations with objections based upon sincerely held religious beliefs to the contraceptive mandate.

Tag(s): Compliance Consulting;

Healthcare Reform Update - October 31, 2017

Final Forms and Instructions for the Sections 6055 and 6056 reporting requirements have been released. We have an article providing analysis of the new requirements as well as updates to our Sections 6055/6056 Reporting Toolkit – containing valuable information on the entire reporting process. In this edition of Healthcare Reform Update, we also address the current efforts to repeal/replace/repair PPACA, increases to the PCORI fee, and the IRS requirements to include PPACA information on individual tax returns.

Tag(s): Healthcare Reform; Healthcare Reform Update;

Healthcare Reform Update - October 16, 2017

Some recent news has thrust healthcare reform back into the national spotlight. The President recently issued two Executive orders – on Association Health Plans and Cost-Sharing Reductions. Additionally, we received further guidance on the Contraceptive Mandate. Our current issue of Healthcare Reform Update has articles analyzing all the recent guidance

Tag(s): Healthcare Reform; Healthcare Reform Update;