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Healthcare Reform & PEOs

It’s Time to Get Practical

After three-plus years of learning, digesting, studying, and attempting to adjust to the requirements of the Patient Protection and Affordable Care Act (PPACA), and seeking to guide and support clients along the way, there is still much work to be done.

The details of PPACA compliance are a lot to absorb, and there is a lot to convey to PEO client companies. However, therein lies the opportunity. Under the category of “What PEOs Do Best,” the most massive regulatory upheaval the country has ever seen also provides the most massive opportunity for PEOs. But, it sure is a lot of work: it requires constant vigilance to keep up with the evolving regulatory environment, intense attention to detail, and a thorough understanding of how everything applies in the PEO context.

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Legal Currents

Long-Awaited Final Rule Affects Several HIPAA Provisions

On January 25, 2013, the Department of Health and Human Services (HHS) issued its long-awaited final omnibus rule modifying numerous aspects of the regulations under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), including its privacy, security, and breach notification provisions. Many of the changes will primarily affect healthcare providers, but healthcare plans (and indirectly their plan sponsors) are also affected.


Don’t Pay or Play with Less Than a Full Deck

With 2014 fast approaching, many PEOs are in the process of planning how they, as well as their clients, will comply with the employer shared responsibility—or “pay-or-play”—provisions of the Patient Protection and Affordable Care Act (PPACA). These planning efforts necessarily involve an understanding and analysis of how certain controlled group rules set forth in the Internal Revenue Code (Code) may apply in the context of pay or play.

Executive Office

Don’t ‘Shrink’ from Healthcare Reform

The Patient Protection and Affordable Care Act (PPACA) presents some of the largest challenges to employers of any legislation in recent memory. Many small business owners and executives have turned to PEOs for advice and expertise. Businesses with more than 50 full-time equivalent employees will be required to provide affordable healthcare benefits for employees on January 1, 2014—or potentially pay up to a $2,000 per employee fine. This year, PEOs will need to work closely with clients to help them prepare to comply with the PPACA and to decide whether it is in their best interest to “play or pay.”


What are Navigators and What Do PEOs Need to Know?

The blogosphere and consultant worlds have been chock full of advice, opinions, and predictions about how the new law, the Patient Protection and Affordable Care Act (PPACA), will affect businesses and employees. Unless you live under a rock, you are aware that a huge portion of the federal healthcare reform law is set to take effect in 2014—the state insurance exchanges and the individual and employer responsibility provisions. One important piece of the PPACA that has not received a lot of attention and becomes effective with the exchanges is that which creates what is referred to as “navigators.” This article will shed some light on the definition of a navigator under the PPACA and how it may affect PEOs.


Special Report

The Utah Experience of Good and Bad Incentives in Healthcare Reform Rep. Jim Dunnigan

Early in May, U.S. Department of Health and Human Services (HHS) Secretary Kathleen Sebelius surprised health policy insiders and political observers with her announcement that Utah’s “fourth option” for health insurance exchanges was approved.

Statehouse Update

The Power of Grassroots Advocacy Paul J. Richman

As we approach the start of summer and state legislatures begin to adjourn their sessions, it is a good time to take a step back and reflect upon what NAPEO has accomplished in the states during the first half of the year.

Small Business Perspective

Friends in High Places Dan Danner

Thirteen years ago, NFIB established a new foundation, built to fight for small business in the nation’s courts ( We knew that more and more battles of great importance to our membership were being waged there, so we set a course that we hoped would, someday, take us all the way to the United States Supreme Court.

PEO Spotlight

Rolling with the Changes Stephanie Oetjen

Family dinner-table conversations typically go something like this: “How was your day today, Honey?” “Fine.” “What did you learn in school today?” “Nothing.” Not in the Packer household.

PEO Index

The Employment Index and the Economy John Slavic

The PEO Employment Index indicated incremental gains over the first quarter of 2013.

NAPEO Notebook

A Good Week in Washington for PEOs Patrick J. Cleary

Well, another successful NAPEO Legal and Legislative Conference is in the rearview mirror and everyone is safely back home—no doubt edified by the knowledge gained at the conference.

NAPEO Advisor

New I-9 Form, Dress Codes, PPACA Whistleblower Provisions, Garnishments, Union Dues William J. Schilling, Esq.

Q. Is there another new I-9 form? A. Yes, the United States Customs and Immigration Service (USCIS) issued a new form I-9 that became effective on March 8, 2013.

The Inside Word

Ties Beyond Payroll and Benefits Dale Hageman

Thank you to all who joined us at NAPEO’s Legal and Legislative Conference in May. It was a successful event with incredible attendance, and we appreciate your participation.

Global Insights

What Small Businesses Want… Thomas J. Donohue

America’s 27 million small businesses represent 99 percent of U.S. employers and account for three-quarters of all new jobs created. The smallest of businesses stand to make the biggest impact on economic growth and job creation.

Capitol Comment

The Politics of PPACA Implementation Thom Stohler

“Co-Author of Obama Healthcare Law Sees ‘Huge Train Wreck’ in Implementation” “Nation's Biggest Movie Theater Chain Cuts Workweek, Blaming Obamacare” “Roofers Union Calls for Obamacare’s Repeal”

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