About Bruce Roth

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So far Bruce Roth has created 51 blog entries.

Association Health Plan (AHP) Provisions Ruled Illegal

AHPs were created in 2017 by President Donald J. Trump’s Executive Order, and the Department of Labor (DOL) expanded on them in 2018.  The goal was to promote healthcare choice and competition across the United States.  The changes allowed unrelated small businesses to join together to get better underwriting and avoid certain mandates. However, a [...]

By |2019-06-26T15:31:49-04:00April 4th, 2019|2019 News, News|

You Can’t Shop for Something if You Don’t Know the Cost

Should hospitals and other healthcare providers publicly disclose the secretly negotiated prices they charge insurance companies for their services?  Today’s complex arrangements, hidden charges, and lack of transparency make it hard to tell which hospitals and doctors are driving costs higher. Insurers and hospitals routinely enter into confidentiality agreements that make it possible for the [...]

By |2019-03-21T09:08:59-04:00March 21st, 2019|2019 News, News|

Dave & Buster’s Busted

The Affordable Care Act (“ACA”) requires larger employers (50 or more full-time equivalents) to offer “affordable” “minimum-value” health care to employees working 30 or more hours per week or face the possibility of significant penalties.  In response, some employers cut employee hours to avoid offering health insurance.  The recent class action settlement proposed by Dave [...]

By |2019-06-26T15:35:24-04:00February 27th, 2019|2019 News, News|

Employers Encouraged To Review Health Plan Administrators’ Payment Practices After Recent Court Decision

In Peterson v. UnitedHealth Group Inc., plaintiffs filed a class action lawsuit against United Healthcare claiming that its cross-plan offsetting practice violated ERISA.  This practice allows an insurer or third party administrator (TPA) to recover overpayments to a provider by offsetting future payments for claims related to different employers’ plans and participants. The claims can [...]

By |2019-01-28T13:40:02-05:00January 28th, 2019|2019 News, News|

Don’t Lament, “I Could Have Done More”

Employers are often surprised to learn they are liable for ERISA statutory penalties associated with participant document requests even though they have retained an insurance company or TPA to administer their ERISA welfare benefits plans. Generally, only the Plan Administrator, as defined by ERISA, can be penalized for failure to respond to document requests, and, almost [...]

By |2019-06-27T07:00:34-04:00January 1st, 2019|2019 News, News|

Court Rules ACA Unconstitutional – But Law Remains in Effect for Now

In 2017 Congress enacted the Tax Cuts and Jobs Act, which reduced the individual mandate penalty to zero, effective January 1, 2019. Recently a federal district court in Texas ruled that the Affordable Care Act’s individual mandate is no longer permissible under Congress’s taxing power and that the entire Affordable Care Act (ACA) is invalid because the individual [...]

By |2019-06-27T07:01:40-04:00January 1st, 2019|2019 News, News|

2019 Limits for Welfare Benefit Plans

The IRS has released the 2019 inflation-adjusted limits for certain welfare benefit plans and the amounts used for discrimination testing. The salary reduction limitation for health flexible spending account coverage for 2019 is $2,700, an increase of $50 over the amount for 2018. The 2019 health savings account ("HSA") limit will increase to $3,500 for [...]

By |2018-12-03T11:26:56-05:00December 1st, 2018|2018 News, News|

Form W-2 Reporting of Employer-Sponsored Health Coverage

The ACA requires large employers to report the total cost of employer-sponsored group health coverage on employees’ W-2s, which are due to employees by January 31, 2019. Reporting the cost of health care coverage on the Form W-2 does not mean that the coverage is taxable. It is for informational purposes only and will provide employees useful [...]

By |2018-12-03T11:23:28-05:00December 1st, 2018|2018 News, News|

Health Plans Must Explain Reasonable and Customary

Lawsuits from non-network providers have been on the rise recently due to the sharp rise in their billing rates, more providers moving out-of-network, and self-insured health plans reducing reimbursement rates. One of the ways that health plans have curtailed out-of-network reimbursement rates is through reasonable and customary reductions. A health plan is required to disclose the [...]

By |2018-11-01T15:10:05-04:00November 1st, 2018|2018 News, News|