These UNL Extension Web pages bring together information to help Nebraska businesses understand the Affordable Care Act rules and regulations and to manage their implementation. Regardless of whether you are self-employed or if you employ a small or large number of people you can locate timely resources and information here.
The Affordable Care Act was signed into law, March 23, 2010. Some mandates are already in place, more become effective January 1, 2014 and other mandates become effective in later years. Spend time now to evaluate how these changes will affect your business operation and develop a business strategy that fulfills the ACA requirements and best meets your needs for business continuation and growth.
The ACA regulations are subject to change. To have the latest information, visit this website often and talk with your advisors. You will also find the latest information at the federal ACA website: healthcare.gov.
SHOP online enrollment delayed until November 2014.
On November 29th, HHS announced the delay of the federal online SHOP marketplace for small businesses. It is now scheduled to open in November 2014. However, small employers with less than 50 employees may still enroll in SHOP using paper applications or by phoning the Small Employer Call Center. Instructions are available at healthcare.gov. Your best option, continue to work with your insurance broker or agent to help sort through policies and options.
Nebraska DOI position on Noncompliance Policies.
To stem health insurance policy cancellations, President Obama announced on November 14th that individuals who have ACA noncompliant insurance policies will be able to keep their current policies into 2014 without ACA enforcement. However, the Nebraska Department of Insurance issued a Notice on November 22 stating Nebraskans still need to comply with the ACA statutory provisions that requires ACA compliant health insurance policies in 2014. The notice also states that Nebraska insurance law already provides health insurance companies the option to "engage in an early policy renewal process" for current health policies effective in 2014, if they are renewed on or before December 31, 2013. Here is an article about Blue Cross Blue Shield of Nebraska's position on cancelled policies.
►Now is the Time for Employers to Consider Affordable Health Insurace as ACA Takes Off. Both the employer and individual mandates moved forward with employers notifying employees about their health insurance options and the state exchanges officially opening online for individual signups. Both events are related and significant for Nebraska business. See more
►Individual Cutoff Date to Avoid Penalty. UPDATE: On 10/28/2013, Health and Human Services issued a Question & Answer about the Individual Mandate Cutoff date. Individuals have until March 31, 2014 to enroll in a plan and still avoid the personal responsibility penalty.
►eXtension Webinar on ACA. In partnership with eXtension, the University of Nebraska-Lincoln Extension ACA Team hosted an online webinar, the Affordable Care Act and Your Small Business on Thursday, October 10, 2013. Presenters will be Marilyn Schlake and Carol Welte, University of Nebraska-Lincoln Extension. If you missed the presentation, you can still view it here.
►Nebraska Department of Insurance Opens ACA Website. The Nebraska Department of Insurance launches website on the Affordable Care Act for Nebraska's consumers and small businesses. Visit the website at nehealthinsuranceinfo.gov.
►Nebraska DOI Releases 2014 Rates for Individual and Small Business Plans. Possible premium rates, see charts here.
►Coming to terms with ACA terms. Confused about the Affordable Care Act health reform law? You are not alone. To get started on understanding the new terms, continue reading...
►Notification to Employee deadline looming. Small Business Requirement for Employee Notification goes into effect October 1, 2013. Find out what this means to your small business...
Learn more about ACA
In this video, the Fedeli Group provides a summary of the Affordable Health Care Act and its sweeping health care changes affecting the individual and employer.
Information provided here is from a variety of resources managed by government agencies, professionals, organizations, and non-profits. The information is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal or state tax penalties.
There is no implied or intended endorsement by UNL Extension of any website, information, or videos provided within this website. Nor is there any implied endorsement by the creators of the information and videos used within this website to UNL Extension. Use of the information is for educational purposes only and is designed to serve as a starting point for you to further discuss your business options with an attorney, accountant, human resource (HR) consultant, or other advisor who is well-versed in the new health care regulations.
UNL Extension ACA Team
For questions or additional information, email: ACAbizNE@unl.edu
Phone: Marilyn Schlake (402.472.4138); Carroll Welte (402.374.2929); Jim Crandall (308.995.3889); Charlotte Narjes (402.472.1724)
Nebraska Rural Poll on Health Care Reform
Health Care Reform: Perceptions of Nonmetropolitan Nebraskans (Source: University of Nebraska)
Changing Employer Perspectives
In a recent online article, "How is Employer-Sponsored Health Insurance Changing?" Kaiser Health News staff writer, Jay Hancock takes a looks at industry changes for employer-sponsored health insurance. Key changes include controlling rising insurance costs for the employer and shifting costs and control to employees through incentives and the use of Health Savings Accounts (HSAs). See more options in the 50 or more category.