Discover five key benefits delivery options that every employer should know with this simple guide.
The health care reform benefits tool is an interactive resource guide for employers that helps you better understand the requirements and benefits delivery options.
HSAs, FSAs and HRAs can help employees enjoy tax-free savings for health expenses. Here are a few changes employers will need to pay attention to in the years ahead.
Aflac is your source for the latest information about health care reform. We’re here to help simplify and clarify the coming changes.
Find out what you need to know about health care reform. Health care reform can be complicated; Aflac can help you with the basics.
Be ready for health care reform. We can help you understand what to do to comply with the Affordable Care Act and plan for what’s ahead.
Research findings examine the issues impacting employee benefits trends and attitudes. Leverage these insights for your business.
The changing health care landscape impacts employees and their benefits. Get resources to help your employees take charge of their benefits decisions.
Health Care Reform Timeline
There have been some big changes made to health care and more are on the way.Click the milestones to explore how the changes might affect you.
A new poll found that most people don't understand how Obamacare works. Under the health care law, a consumer choses one of several private health insurance plans, and the government might subsidize the premium. According to a new Kaiser Family Foundation health care tracking poll, 63 percent of Americans aren't sure if Obamacare plans are private or government sponsored. The poll also found that 53 percent of Americans have an unfavorable view of Obamacare, meaning the law is less liked now than at any other point in its history.
By 2018 more people will use so-called private exchanges than similar ones created by the Affordable Care Act, according to a recent analysis by Accenture. Walgreen, Sears and Aon Hewitt, among the earlier pioneers in this new approach, give employees a credit to buy insurance in an online marketplace. Already an estimated 3 million Americans are getting insurance from their employers this way, which is triple the number of active employees that were buying from private exchanges a year ago. Employees get a credit or subsidy, and are sent to buy a plan on a private market place akin to Amazon.com or Orbitz in their respective industries.
As employers grapple with how best to deliver health insurance to their employees, the concept of private insurance exchange or marketplace is quickly gaining traction. In a private exchange model, rather than continuing to assume the responsibility for making healthcare decisions for plan participants (or managing the risk on their behalf), an employer transfers responsibility to employees. This transfer of power enables employees to make important decisions on behalf of their families. Employers have something to gain, too: predictable healthcare costs.
Aflac's recent Workforces Report for Brokers recently divulged that nearly 50 percent of brokers are considering leaving the industry, due largely to a landscape vastly changed by PPACA. Employee health benefits have become an increasingly complex industry in the past four years — which is precisely the reason that a solid broker workforce is more needed than ever.
Aflac lets you make robust benefits options available, while helping to protect your budget. Even with health care reform, Aflac continues to be the right choice for your workforce.
Heath Care Reform doesn't cover every hospital expense. Learn how we help fill in the blanks.
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