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The employer's decision to provide health insurance under the health reform law. 雇主根据医疗改革法提供医疗保险的决定。
Benefits quarterly Pub Date : 2013-01-01
Gaobo Pang, Mark J Warshawsky
{"title":"The employer's decision to provide health insurance under the health reform law.","authors":"Gaobo Pang,&nbsp;Mark J Warshawsky","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>This article considers the employer's decision to continue or to drop health insurance coverage for its workers under the provisions of the 2010 health reform law, on the presumption that the primary influence on that decision is what will produce a higher worker standard of living during working years and retirement. The authors incorporate the most recent empirical estimates of health care costs into their long-horizon, optimal savings consumption model for workers. Their results show that the employer sponsorship of health plans is valuable for maintaining a consistent and higher living standard over the life cycle for middle- and upper-income households considered here, whereas exchange-purchased and subsidized coverage is more beneficial for lower income households (roughly 4-6% of illustrative single workers and 15-22% of working families).</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"42-53"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655942","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Incorporating wellness into employee benefit strategies--why it makes sense. 将健康纳入员工福利战略——为什么这么做是有意义的。
Benefits quarterly Pub Date : 2013-01-01
Michelle Mudge-Riley, Mac McCarthy, Thomas E Persichetti
{"title":"Incorporating wellness into employee benefit strategies--why it makes sense.","authors":"Michelle Mudge-Riley,&nbsp;Mac McCarthy,&nbsp;Thomas E Persichetti","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>By putting together a comprehensive wellness strategy, employers are not only \"doing the right thing\" but also are able to see, believe and maintain the tangible return on investment (ROI) that wellness programs are capable of delivering. This article discusses employers' ROI from wellness initiatives, as well as innovations that support a culture of wellness and what enhanced opportunities for increasing employee wellness are available under health care reform. It also describes how wellness is a component of population health management, as well as a core component of the health care delivery system.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 4","pages":"30-4"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"32260729","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Reconsidering employer-sponsored health care: four paths to long-term strategic change. 重新考虑雇主赞助的医疗保健:实现长期战略变革的四条途径。
Benefits quarterly Pub Date : 2013-01-01
Jim Winkler
{"title":"Reconsidering employer-sponsored health care: four paths to long-term strategic change.","authors":"Jim Winkler","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>With Supreme Court and election uncertainty now resolved over the Patient Protection and Affordable Care Act (ACA), employers are recognizing the need for immediate action and reassessing the role they play in promoting and insuring the health of their population. Centered on a consistent need to have a workforce that is healthy, present and high-performing, employers face four possible strategic paths. This article discusses those paths along with their attendant risks and opportunities.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"8-15"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655936","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Implementing the Patient Protection and Affordable Care Act: the time is now. 实施《患者保护和平价医疗法案》:现在是时候了。
Benefits quarterly Pub Date : 2013-01-01
Steven E Wojcik
{"title":"Implementing the Patient Protection and Affordable Care Act: the time is now.","authors":"Steven E Wojcik","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>Employers all across the country should be in full swing as they prepare to implement the tougher parts of the Patient Protection and Affordable Care Act's (ACA) employer provisions, which are about to come online and take effect in 2014. This article reviews these more challenging requirements and their complications, including how employer calculations over whether to continue to offer coverage might vary by industry characteristics. The author then looks further ahead to the \"Cadillac\" tax and discusses how this liability may affect every employer's decision about its health care strategy leading up to 2018.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"30-3"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655940","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Leeson v. Transamerica Disability Plan, 2012 WL 171598 (9th Cir. 2012). 李森诉泛美残疾人计划案，2012年WL 171598(2012年9月)。
Benefits quarterly Pub Date : 2013-01-01
{"title":"Leeson v. Transamerica Disability Plan, 2012 WL 171598 (9th Cir. 2012).","authors":"","doi":"","DOIUrl":"","url":null,"abstract":"","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 1","pages":"69-70"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31304346","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The Affordable Care Act in brief: a look into January 2014 changes. 《平价医疗法案》简介:2014年1月的变化。
Benefits quarterly Pub Date : 2013-01-01
Syed M Mehmud, David Neiman
{"title":"The Affordable Care Act in brief: a look into January 2014 changes.","authors":"Syed M Mehmud,&nbsp;David Neiman","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>The Affordable Care Act (ACA) introduces many new mechanisms into the insurance marketplace that significantly impact business as usual. Although the changes are of great magnitude and, at times, intertwined with each other, this article sets out to introduce many of the changes in a simplified format. The 2014 changes will impact each market (individual, small-group, large-group and self-insured) in a different manner. This overview highlights those differences and includes a discussion of each.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"34-41"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655941","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Early Retiree Reinsurance Program: bridge to 2014. 提前退休人员再保险计划:过渡到2014年。
Benefits quarterly Pub Date : 2013-01-01
Ann Costello
{"title":"Early Retiree Reinsurance Program: bridge to 2014.","authors":"Ann Costello","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>The Patient Protection and Affordable Care Act (ACA) established the Early Retiree Reinsurance Program (ERRP) to provide temporary stability to the employer-supported retiree health care benefit market until the major provisions of the law ensuring every individual access to individual insurance become effective in 2014. The $5 billion appropriation was expected to last four years, but was expended in 18 months. This article reviews the development and motivation for the benefit. Further documentation is provided as to which recipients benefited from the reinsurance program.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"54-9"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655943","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Accountable care organizations--an employer POV primer. 负责任的医疗机构——雇主POV入门。
Benefits quarterly Pub Date : 2013-01-01
Isabelle Wang, Michael Maniccia
{"title":"Accountable care organizations--an employer POV primer.","authors":"Isabelle Wang,&nbsp;Michael Maniccia","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>The accountable care organization (ACO) has emerged as the centerpiece of postreform initiatives to improve the delivery of quality, cost-efficient care. As the primary partners in delivering ACOs, payers and providers have begun to collaborate on the opportunities presented by the legislation. For employers, however, this new approach to managed health care delivery models will present challenges in adoption different from its predecessors: preferred provider organizations, health maintenance organizations and consumer-driven models. This article identifies these challenges and helps employers understand how they can respond in ways that make them active participants in the emergence of ACOs and secure the potential value of ACOs for their own organizations. For employers, the method to capturing the value of these emerging delivery models is to have a broad understanding of the evolving payer and provider marketplace, how to access or develop ACOs, and how smart decisions today can improve the future landscape of health care.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 4","pages":"14-9"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"32260726","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Leveraging private and public exchanges in an employee benefits strategy. 在员工福利战略中利用私人和公共交流。
Benefits quarterly Pub Date : 2013-01-01
Susan Margolis, Michael Thompson
{"title":"Leveraging private and public exchanges in an employee benefits strategy.","authors":"Susan Margolis,&nbsp;Michael Thompson","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>Health reform is helping to transform the health insurance marketplace and facilitate new opportunities to reevaluate and restructure the underlying framework of employer-sponsored benefits. Central to these opportunities is the emergence of public health exchanges at the state and federal levels offering a coordinated platform of diverse designs and health plans available on a guaranteed issue basis and often with government-provided subsidies. Parallel and complementary to this trend is the emergence of private health exchanges that similarly offer a diversity of plans on a variety of bases. This article shows why, together, these offerings provide potential streamlined solutions for employers as they reevaluate how they facilitate and support access to affordable coverage for their employees (and retirees).</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"20-5"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655938","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Health care reform the hourly challenge. 医疗改革时时面临挑战。
Benefits quarterly Pub Date : 2013-01-01
Tracy Watts, Stefan Gaertner
{"title":"Health care reform the hourly challenge.","authors":"Tracy Watts,&nbsp;Stefan Gaertner","doi":"","DOIUrl":"","url":null,"abstract":"<p><p>For those industries most likely to be transformed by the Patient Protection and Affordable Care Act (ACA), enacting the right strategy is the only strategy. A critical issue will be balancing cost and compliance factors with productivity concerns brought on by changes in the full- and part-time or hourly status of a given workforce. This article discusses industry perspectives in light of the ACA's 2014 implementation date, options for changing staffing models, and how the success of such changes depends on segmenting business units and locations while developing strategies for the different groups. Thus, the mix of full- and part-time employees becomes a more complicated strategy, but an achievable one.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":"29 2","pages":"26-9"},"PeriodicalIF":0.0,"publicationDate":"2013-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"31655939","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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