2 businesses opting of health insurance as illustration for impact on NPOs

Previous post discussed the specifics of two businesses that are thinking about dropping their health insurance in 2014 and paying the penalties under ACA.

Now to get a feel for the impact on NPOs, I’ll revise that analysis by adjusting the data we see there to an NPO.

First scenario – currently providing health insurance to some staff


2 live examples of opting out of ACA

Two businesses talked to the Wall Street Journal about the possibility they may drop health coverage for their employees next year. Let’s look at their numbers.

I’ve been wanting to write about the implications of dropping out of the mandatory health care coverage. Obviously, I can’t use as an illustration any of the organizations I’m familiar with.

So when the WSJ had a discussion today, I found some public numbers we can work with. The article is Some Small Businesses Opt for the Health-Care Penalty.

The data

I’ll quote just enough of the article to get the basic data on the table: (more…)

Background on HHS requirement to provide contraceptives in health insurance plans – part 2

There is a mandate from HHS that affects every health insurance plan in the country.  It will be going into effect for your health plan starting with the next plan year.  My previous post provided some initial background on the requirement.

For additional background, printed below is a newsletter from the Gammon and Grange law firm in the Washington, D.C. area.  The article can also be found here.

The article is so good that I am posting all of it.  I requested and received permission from the Gammon and Grange firm to post the full article.  My thanks to them for permission to do so. The article has their contact information at the end.

HHS Mandated Employer Health Insurance Requirements Begin August 1, 2012 –
Do you need to comply?

This week, the Franciscan University of Steubenville became the first university to cease offering health insurance to its students in response to what has become known as the “HHS Mandate.” As many religious employers are aware, on January 20, 2012, the Department of Health and Human Services (“HHS”) finalized regulations under the Patient Protection Affordable Care Act (“ACA Regs”). These ACA Regs require almost all employers with more than 50 employees to offer health insurance plans that will fully cover reproductive “preventive health services.” Covered services include sterilization procedures and the contraceptive drugs known as Plan B (the “morning after” pill) and ulipristal or ella (the “week after” pill), which are considered to be abortifacients or abortion-inducing medicines.


Background on HHS requirement to provide contraceptives in health insurance plans – part 1

I don’t do politics on my blogs.  I’m not making an exception now or anytime in the future.

It is not political to speak up when official government policy will require you or your organization to compromise your faith-formed, scripture-driven, core religious beliefs.

That is the place many people are at with the requirement from HHS to include contraceptives, including abortifacients, in all healthcare plans.

Such a requirement is completely contrary to the beliefs of people from the Roman Catholic tradition, as we saw in the news yesterday. It also violates the core beliefs of many other people and organizations in the religious nonprofit community.  This isn’t a concern for everyone, but it will be a major issue for many traditions.

I don’t follow healthcare issues closely, but I think it is time to provide some background for readers of my blog.