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April 2013

April 29, 2013 by  
Filed under Newsletter

News Bulletin For April 2013
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Alternative To Dependent Group Coverage

Maintaining coverage for dependents (spouses, children, domestic partners) can be cost-prohibitive for many employees on your group coverage. Oftentimes an individual plan for their dependents is less expensive and a better value than adding them to the group plan. Click the link below to begin research for lower cost dependent coverage. 


 
 
Healthy Kids

Healthy Kids provides no-cost, low-cost and full-cost health coverage options for uninsured Oregon children and teens up to 19 years of age.

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MORE GUIDANCE ON HEALTHCARE REFORM'S EMPLOYER "PLAY OR PAY" MANDATE
 

Callan Carter is an accomplished, highly regarded ERISA and employment law attorney and also a friend of our agency. We often rely on her for guidance with your questions. She also has a knack for simplifying complex subjects like the PPACA. The attached article is a nice summation of the "Play or Pay" mandate.

MILLIONS ELIGIBLE FOR HEALTHCARE SUBSIDIES, BUT MOST DON'T KNOW IT

Nearly 26 million Americans could be eligible for health insurance subsidies next year, but most don't know it. Information about these subsidies will be coming fast and furious as Cover Oregon, our state-run exchange, ramps up enrollment efforts later this year. Larry Sherwood & Associates, Inc. will be an endorsed enroller and as such can guide both you and your employees through the enrollment process. Questions? Give us a call.

2013 FEDERAL POVERTY GUIDELINES
Federal subsidies for the purchase of medical insurance are available beginning in 2014 for anyone within 400% of the Federal Poverty Level (FPL). Anyone ever wonder what those FPL numbers look like? Attached is a state-by-state listing.
 
 
 

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