Employers seek emergency reforming health care

Employers seek emergency reforming health care -

Large employers have a few years until the majority of the provisions of reform of health care will change the way they offer health insurance.

Starting in 2014, employers with more than 50 full-time workers must provide affordable health insurance or face a penalty.

Yet some of the largest employers already seeking answers, extensions and grace periods to reform rules.

Here are some questions and dilemmas that employers meet:

• What determines a full-time worker?

reform of health care has established a full-time worker as an employee who works on average 30 hours per week in a month of reports The Wall Street Journal . Many employers hire seasonal and temporary workers with schedules that vary every month. It would be difficult to calculate who should get health insurance on a month to month basis.

• How long is someone full time workers before they are eligible for Medicare benefits?

One month may not be enough time to decide whether a worker is an employee full-time. So, the Internal Revenue Service (IRS) proposed the idea of ​​a "look-back" period of three to twelve months to determine whether an employee is full-time. Many employers want to be long period of at least twelve months.

• What defines affordable health insurance coverage?

The cost of health insurance varies considerably across the country. At this point, there is no clarification for companies as to the amount that is unaffordable for health plans, which depend on the location of employees.

• How employers supposed to determine whether care is affordable for every employee or health insurance is less than 9.5 percent of an employee's household income?

The companies will be penalized if their employees are paying more than 9.5 percent of their household income on health insurance, but there are privacy issues with employers knowing how much a household can do. Also these guidelines will create a nightmare of human resources paperwork and time spent sorting benefits.

The government has several years to clarify the rules and regulations arising from the reform of health care. But decisions will determine how people receive health insurance and how much health care reform will impact those currently without it.

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