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Phia Group Media


Responding to a IRS Letter 226J: Considerations and Common Mistakes

On March 21, 2018
If you are an applicable large employer, the IRS could possibly be sending a letter. Read more about the 2 types of ESRP penalties that may affect you.

Freedom Blue: Idaho’s Challenge to the ACA Gets Serious

On February 19, 2018
The Department of Insurance (“DOI”) have made announcements in regards to what insurers are able to do in the ACA. Learn more about the details of Governor Butch Otter's executive order that would let health insurers in his state sell new plans to market that did not comply with ACA rules.

Employer Mandate Enforcement: IRS Turning Up The Heat

On February 15, 2018
The Employer Shared Responsibility Provision of the Affordable Care Act (ACA) continues to serve as a polarizing topic among employers and ACA supporters as the Internal Revenue Service (IRS) moves forward with its compliance efforts. If you have 50 or more full-time employees you could be affected.

Your Plan isn’t a Cadillac …Yet

On January 31, 2018
The most notable in the self-funded industry is the ACA’s High Cost Employer-Sponsored Health Coverage Excise Tax (“Cadillac Tax”). The Cadillac Tax was originally set to begin in 2018, but has been delayed again. Find out when your plan will become a Cadillac from The Phia Group.

A Backdoor Employer Mandate? Massachusetts Targets Employers to Shore Up the State’s Medicaid Program

On January 15, 2018
Since 2011, approximately 450,000 people have lost their employer-sponsored insurance in Massachusetts. In the same time period, MassHealth enrollment increased by just over 500,000. The MassHealth program is literally drowning the state in debt, and so last year, Governor Charlie Baked signed H. 3822, which has two major components (beginning in 2018).

NOT SO FAST! Don’t Change Contraceptive Coverage Just Yet

On January 10, 2018
Changing Contraceptive Coverage? You might want to wait. The new rules essentially allow any company that is not publically traded the ability to refuse to cover contraceptives on moral or religious grounds. The process for the exemption is also much more relaxed than the accommodation process.

Sacrificing the Individual Mandate on the Alter of Tax Reform

On December 11, 2017
Want to know more about the glue of Obamacare? Perhaps the single most important piece of the Affordable Care Act (“ACA”) is its “individual mandate" Learn about how Americans have been required to obtain health insurance coverage that meets the government's definition of "minimum essential coverage" or pay a penalty.

MA Contraceptive Reform Update

On November 13, 2017
Jen McCormick, Esq. reviews the bill the MA House passed ensuring that women retain access to no cost contraceptives.

More Rule Changes?

On October 18, 2017
Kelly Dempsey, Esq. provides an overview of recent rule changes released by federal agencies and the Trump administration affecting the 2018 renewal season.

Trump Administration Birth Control Roll Back

On October 9, 2017
Jen McCormick, Esq. reviews the new HHS regulations allowing more employers to opt out of ACA preventive care contraception requirements.

Another One Bites the Dust

On October 2, 2017
Brady C. Bizarro, Esq. explains the collapse of the Graham-Cassidy repeal bill that would have replaced the Affordable Care Act.

Uncertainty Prevails in the Health Care Debate

On August 30, 2017
Review a detailed recap of changes thus far concerning the Affordable Care Act (ACA) for the 2017-2018 enrollment period.

The Benchmark Shuffle

On August 9, 2017
Ensure your company is compliant with revised health care benchmark summaries released in 2017. Learn more today.

The Rules of the Game are Still Changing

On June 1, 2017
Find out how the executive order passed May 4th, 2017 instructs involved agencies when making decisions about contraceptives.

Back to The Self-Funding Future – Which Echoes of 2016 Will Continue to Impact Self-Funding in 2017

On January 19, 2017
The past decade has ushered in both outrage and opportunity for self-funded plans, and 2016 was no different. The characteristics of self-funded plans continued to alter in concert with new laws and regulations. While these bureaucratic efforts often hindered our ability to self-fund, for those daring enough to change with the times, we saw increased growth and prosperity. We will no doubt see these issues and opportunities continue to evolve in 2017, and only those that prepare will thrive.