Kilpatrick

Our Perspective

Minimum Essential Coverage Plan through SIS

Beginning January 1, 2015, all “applicable large employers” are subject to the employer mandate. Generally, applicable large employers who employed … FULL STORY

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Prohibition of Employer Contributions to Individual Health Plans

Employers cannot contribute towards the cost of individual health plans. They cannot do it on a pre-tax basis. They cannot … FULL STORY

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Discontinued Involvement in Distributing “Limited” Minimum Value Plan Solutions

Many of you are working on strategies for large employers to comply with the employer mandate next year and avoid … FULL STORY

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Employer Mandate, Staffing Firms, and Common Law Employees

The sole purpose of this article is to provide primary references to regulations involving the application of the employer mandate … FULL STORY

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Small Group Quoting for 12/1!

Kilpatrick Companies is quoting 12/1 rates within our illustration package with all of our medical carriers who offer plans to … FULL STORY

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BCBS Transitional Relief Update and 2014 Renewal Timelines

For Sep-Dec 2014 renewals, BCBS will offer a transitional policy option to small groups allowing them to renew their existing … FULL STORY

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Small Group Self-Funding Carrier Resources

This post provides links to product information and resources pertaining to each carrier’s self-funded (alternative funding) programs available to small … FULL STORY

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Q&A about Contributions for Plans with Per-Member Rates

The Q&A below addresses how an employer should handle employee contributions and coverage continuation amounts when the medical carrier invoices … FULL STORY

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Small Group Composite Rating Explained for 2015

On Mar 11, 2014, HHS published a final rule (101 pages) that addressed how carriers could “composite rate” in 2015 … FULL STORY

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Carriers Allow Small Groups to Keep Current Plan Next Year

On Nov 14, President Obama announced and CMS issued guidance on transitional relief to allow small employers to keep the … FULL STORY

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