The Daily Item, Sunbury, PA

Montour County

April 29, 2013

Seminar prepares regional brokers for health insurance changes



Employer-offered plans have to meet certain government regulations, said Phillips. For example, an employer with more than 50 full-time equivalent employees cannot force those employees to contribute more than 9.5 percent of their household income to the plan. Should an employer’s plan do so, they will have to pay a fine of $3000 for each employee that gets their insurance from an outside provider.

This, said Phillips, is one of the problems with the new legislation, in that there is no way for the government to tell if an employer’s provided plan meets regulations unless its employees go to an outside source. If employees aren’t aware of the requirements that an employer’s plan must meet, then there is no way to trace that back to the employer.

“They’re creating a huge governmental apparatus to implement this law. Its cumbersome, it’s complex, it’s mostly unintelligible and unfathomable for just plain people and businesses who want to meet their healthcare needs,” said Phillips, after his presentation.

He also questioned the bill’s effectiveness of using an unelected federal board, the United States Preventative Services Task Force, to determine whether certain preventative care procedures are medically appropriate or not, thereby dictating standards of coverage for insurance providers. Phillips said that while the group’s advice was not always wrong, he would rather have a medical group make the decision rather than Washington.


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