Affordability for Medical Coverage
May 22, 2025
Whether an employer offers affordable medical coverage impacts eligibility for premium tax credits toward individual Marketplace coverage. In addition, applicable large employers must offer affordable medical coverage if they want to avoid employer shared responsibility rules under §4980H. Therefore, it is important for employers to understand and communicate whether coverage offered under an employer-sponsored group health plan is “affordable.” We’ll dive into the details of how to calculate a medical plan’s affordability for employees and their family members to help employers when setting plan contribution rates. In addition, for applicable large employers, we’ll address how to use the affordability safe harbors and how to report offers of coverage to avoid §4980H(b) penalties.
*Please be sure to list R&R Insurance as the firm that invited you when completing your webinar registration. Register at least 24 hours prior to receive advance webinar materials.
Common Employer Questions
June 26, 2025
This month we’ll address some of the most common benefit compliance questions we’re helping employers work through in 2025. The topics will range from everyday compliance issues (e.g., mid-year election changes) that continue to cause confusion, to struggles with how to comply with recent additions or changes to compliance requirements in accordance with the ever-changing laws and regulations.
*Please be sure to list R&R Insurance as the firm that invited you when completing your webinar registration. Register at least 24 hours prior to receive advance webinar materials.
Series Presenters:
Bob Radecki, President, Benefit Comply, LLC
Bob has more than 30 years’ experience in the HR and employee benefits industry helping employers deal with difficult benefit and compliance matters. He has served as the principal HIPAA consultant to a number of health insurance companies and is recognized as an expert on a variety of benefit compliance issues including COBRA, FMLA and health reform. Bob has been the featured speaker at numerous industry events and conferences, and has published many articles on various compliance issues.
Regan Blomme, J.D., Senior Consultant, Benefit Comply, LLC
Regan Blomme has experience working as an attorney for a major Fortune 500 company and for a PEO providing benefits and HR services to small employers. She has also worked as a legal researcher for Thomson Reuters. Prior to obtaining her law degree, Regan worked as an account manager in a leading insurance agency in the Minneapolis area, so she understands the issues and challenges facing employee benefit consulting firms and agencies. Regan received her law degree from William Mitchell College of Law, an MBA from The University of St. Thomas and is a member of the Minnesota Bar Association.
Fritz Hewelt, Senior Consultant, Benefit Comply, LLC
Fred W. (“Fritz”) Hewelt brings more than 30 years of experience to his clients, assisting them with a broad range of issues related to the evaluation and remediation of employee benefit and human resource compliance challenges. Fritz has also assisted numerous clients with welfare benefit plan due diligence in merger and acquisition situations. Fritz holds a BS in business administration from Elmhurst College, Elmhurst, Illinois. He also has earned designation as a Chartered Life Underwriter (CLU), a Certified Employee Benefits Specialist (CEBS) and a Fellow, Life Management Institute (FLMI).
Mark Hoaglund, HIPAA Privacy and Securiy Specialist, Benefit Comply, LLC
Mark Hoaglund has helped more than 200 companies with their HIPAA compliance needs. Before becoming a compliance specialist, Mark worked for Fortune 500 companies including Pillsbury and Honeywell as a senior manager and project manager. He has extensive experience with data security and security management. Mark held lead positions in application development, application support, and computer operations. Mark received a computer programming certificate from Brown Institute, Minneapolis, MN and received a Bachelor of Arts degree from the University of Minnesota.
Mark Major, J.D., Senior Consultant, Benefit Comply, LLC
Mark Major has more than 30 years' experience with employee benefit plan legal compliance as in-house ERISA counsel, as a lead U.S. compliance attorney for Mercer Consulting. Mark's practice specializes in health, welfare and retirement benefits law supporting small and large employers. Mark is a member of the Denver and Colorado Bar Associations.
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Obesity is becoming a pandemic for the United States and other countries worldwide. Serious and costly health care conditions such as Type 2 diabetes, cancer, and mental illness can be directly tied to obesity. Losing weight can be very challenging. More and more people are seeking prescription drugs for help. There are a number of prescriptions employees consider for weight loss – some approved by the FDA specifically for it while others not approved. The attached article provides a detailed overview the prescriptions approved and not approved as well as other things you should know about weight loss.
