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New Health Care Reform Laws - Impact on Camps as Employers
The Patient Protection and Affordable Care Act (PPACA) and the Health Care and Education Reconciliation Act (HCERA) were signed into law in 2009 and 2010 respectively. Included in these new “health care reform” laws was a mandate on certain large employers to provide health insurance to their employees beginning in 2014 (or pay a penalty of $2,000 per employee).
Applicability to Camps as Employers
The law requires employers with fifty or more “full-time employees or full-time equivalents” to provide health insurance to employees that meet minimal coverage requirements. For camps with seasonal operations, the law excludes employers whose workforce exceeds fifty full-time employees for 120 days or fewer during a calendar year if the employees in excess of fifty who were employed during that period of no more than 120 days were seasonal workers. As each organization is different, it is important that you determine now if you will be required to meet the mandate.
Impact on Small Business
The law requires applicable large employers to offer and contribute to their workers’ health insurance or pay a penalty. Small employers who offer health coverage may be able to receive a tax credit. Under the new law, effective for months beginning after Dec. 31, 2013, a large employer that 1) does not offer coverage for all its full-time employees, 2) offers minimum essential coverage that is unaffordable, or 3) offers minimum essential coverage that consists of a plan under which the plan’s share of the total allowed cost of benefits is less than 60%, is required to pay a penalty if any full-time employee is certified to the employer as having purchased health insurance through a state exchange with respect to which a tax credit or cost-sharing reduction is allowed or paid to the employee. For more details, access this article. In addition, the Small Business Administration has launched a new web site and blog to educate small business owners about the Affordable Care Act. Access their new web site.
Important Tracking for the Year 2013
The calendar year of 2013 is important as it is the time that employers are required to track information about their employees, which will then be used to determine if they meet the requirement as a large employer. In preparation for this tracking, the Internal Revenue Service (IRS) has just released new proposed rules to help employers determine if they are included in the mandate.
While businesses, including camps, continue to learn how health care reform will impact them as employers and providers of health care to children, youth and adults, it is important that the camp community stay abreast of health care reform details and the reform movement. Below are links to important resources.
- Small Business Administration: a new web page and blog dedicated to educating small business owners about the Affordable Care Act.
- Internal Revenue Service - new proposed rules to help employers determine if they are included in the mandate.
- New Health Exchanges for Small Businesses Delayed. Update April 2013
- The Affordable Care Act - The First Year. Consumer's Union
- HealthReform.gov: The official health care reform web site maintained by the US Department of Health and Human Services.
- The Patient Protection and Affordable Care Act (Public Law 111-148, passed December 24, 2009).
- The Health Care and Education Reconciliation Act (Public Law 111-152, passed January 5, 2010).
- Health Care Reform Impact on Businesses - July 2010
- National Prevention, Health Promotion and Public Health Council: Created by the two public laws above, the Council is charged with identifying and prioritizing actions across many sectors to reduce the incidence and burden of the leading causes of death and disability. July 2010 Preliminary Report. Initiatives include:
- Healthy People 2020 - which establishes national health objectives and serves as the basis for the development of state and community plans.
- Let's Move - First Lady Michelle Obama's initiative which raises awareness about the problem of childhood obesity and how the nation can work together to solve it.
- Solving the Problem of Childhood Obesity Within a Generation - which aims to return the nation's childhood obesity rate to just 5 percent by 2030.
- The Surgeon General's Vision for a Healthy and Fit Nation 2010 - which expands and strengthens earlier efforts and outlines opportunities for prevention.
- Communities Putting Prevention to Work - which includes grants funded by the American Recovery and Reinvestment Act that expands the use of evidence-based prevention strategies and programs, mobilizes resources at the community level, and strengthens public health action by the states.
- Toward Zero Deaths: A National Strategy on Highway Safety - which seeks to improve motor vehicle safety and includes the Presidential Executive Order prohibiting federal employees who are on official duty or using government equipment from text messaging while driving.
- The Safe Routes to School Program - which works to make walking and bicycling to school a safe and appealing form of transportation.
- President's Food Safety Working Group - which establishes a new, public health-focused approach to food safety.