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August 3 – August 14, 2015

The purpose of this bulletin is to compile a handful of articles relating to the Patient Protection and Affordable Care Act (PPACA) that are most pertinent to LIUNA and its health and welfare funds. We hope you find this biweekly bulletin helpful and informative.

United States: New IRS Guidance On 40% Excise Tax Previews Future Regulatory Complexity
Although public opposition to the 40% excise tax on high-cost health care is rapidly growing, the IRS continued to develop a regulatory framework for administration of the excise tax through its issuance of Notice 2015-52 on July 30, 2015.

As Obamacare's Cadillac Tax Looms, Employers Raise Deductibles, Shift Costs
Though employers won’t have to pay the “Cadillac tax” on rich medical plans until 2018, they are mitigating potential financial hits from it by spending more on wellness and shifting workers to high deductible plans so employees think twice about using expensive care, a new analysis indicates.

The real deal on Obamacare
Many of the GOP presidential candidates say they'll repeal or greatly revise the Affordable Care Act. Love it or hate it, there are lots of opinions about Obamacare. Some are true. Many are myths. CNNMoney sets the record straight.

Obamacare reduces maximum out-of-pocket costs, but not enough for some
Obamacare went a long way toward preventing the insurmountable medical bills that led to a large percentage of U.S. bankruptcies. But for many people, the $6,600 per-person, per-year cap on out-of-pocket costs might as well be $600,000, it's so unlikely they could pay it.

Tax Filing Problems Could Jeopardize Health Law Aid for 1.8M
About 1.8 million households that got financial help for health insurance under President Barack Obama's law now have issues with their tax returns that could jeopardize their subsidies next year. Administration officials say those taxpayers will have to act quickly.

STATES IN THE NEWS

Delaware decides against state health insurance exchange
Delaware officials have decided not to develop the state’s own health insurance exchange under the Affordable Care Act and instead will keep the current federal partnership model.

Two years into Obamacare, only one state still has more than 20% uninsured
When the Affordable Care Act took effect in October 2013, there were 14 states in which more than 1 in 5 adults lacked health insurance; today only Texas remains, according to data released Monday.

New England uninsured rate less than half the national average
New England continues to have the lowest rate of residents without health insurance in the nation, even as the uninsured rate declined throughout the country, according to estimates based on federal survey data released Wednesday.