A review of how the Affordable Care Act (#ACA) affects employers who are required to offer #COBRA.

1. ©June 17, 2013 by BCL Systems, Inc.
Do I have to offer COBRA
coverage after the
Affordable Care Act is
implemented?

2. Employers must still
offer COBRA
coverage

3. Why would someone elect
COBRA?
The Health Insurance
Marketplaces will be available
after January 1, 2014. . .

4. Timing
Length of Enrollment
Process
May leave a gap in
coverage

5. Benefits
Dental
EAP
Medical FSA
Vision
HRA
Deductibles &
Co-Pays
Employer Plan vs.
Health Insurance
Marketplace

6. Health
Insurance
M
arketplace
Employer Health
Plan
Premium Tax Credit
No Premium Tax Credit
Price

7. Will my doctor or hospital
accept a new insurance plan?

8. Familiar with Employer
Health Plan
Unsure about Health Insurance
Marketplace Plans

9. All COBRA Notices and Regulations still apply
after January 1, 2014 ACA Enrollments
Do employers need to
change anything?

10. Modify COBRA Election Notice to include
ACA Model Language
Certificate of Creditable Coverage no
longer required after 12/31/2014

11. Coordination with Health Insurance
Marketplace
Additional Reporting Requirements

12. Communicate...Communicate...Communicate!
To Avoid Possible Misunderstandings