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Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.
All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.
For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.
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President Biden signed into law the American Rescue Plan Act on Thursday, March 11, 2021. The $1.9 trillion COVID-19 relief bill includes several provisions that impact healthcare for both employers and individuals. At the end of this article is a list of helpful resources, including comprehensive summaries and analyses of the Act, an updated ACA subsidy calculator, and upcoming webinars for brokers and employers. Here is a summary of the key healthcare-related provisions.
100% COBRA premium subsidy for any COBRA employee/dependent qualified as a result of involuntary termination or reduction of hours.
Employers will receive a credit for the COBRA premium subsidy through a refundable payroll tax credit against the employer’s quarterly taxes.
The subsidy is effective April 1 through September 30, 2021.
Expansion of subsidies to purchase health insurance through the ACA individual marketplaces:
For 2021 and 2022, premiums for individuals with income up to 150% of the FPL will be eliminated, while premiums for all other households will be capped at 8.5% of their income.
Individuals who underestimate their income for 2020 will not be required to repay any excess subsidies they received.
For individuals who lose their jobs or are eligible for unemployment insurance in 2021, subsidies will be provided to cover the entire cost of their ACA individual marketplace insurance premiums.
For the tax year 2021, the amount that employees may deposit into a tax-favored Flexible Spending Account (FSA) for dependent care expenses will be increased from $5,000 to$10,500.
$7 billion to the U.S. Small Business Administration (SBA) for the Paycheck Protection Program (PPP).
$15 billion to the SBA to provide EIDL $10,000 grants to small businesses.
$25 billion for the SBA to administer a grant program to restaurants through a new Restaurant Revitalization Fund.
Extends through September 30, 2021, the tax credit for voluntary provision of paid sick and paid family leave, as established in the Families First Coronavirus Response Act (FFCRA).
Upcoming Webinars
Overviews of The Act
COBRA
ACA Individual Marketplace Subsidies and Calculator
Flexible Spending Accounts (FSAs)
Law Firm Summaries
Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.
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