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State and Federal Regulations

compliance with insurance regulations up to date industry news and trends regulatory changes legislation lawsuit information precedents and regulatory oversight changes nationally and in the states, market forces natural disasters health care reform technology impact electronic records privacy concerns

Comparison of the ACA and the Republican "Common Sense Healthcare Reform Act"
Article analyzing and comparing the U.S. Affordable Care Act and the Republican alternative the Common Sense Healthcare Reform and Affordability Act? In-depth comparison of the two bills.

Comparison of the ACA and the Republican "Common Sense Healthcare Reform Act"
Article analyzing and comparing the U.S. Affordable Care Act and the Republican alternative the Common Sense Healthcare Reform and Affordability Act? In-depth comparison of the two bills.

Brokers React to Medical Loss Ratio
Medical loss ratio rules established by the NAIC model regulation pursuant to requirements under the PPACA (Affordable Care Act) insurer requirements

National Flood Insurance Program Extended One Year

The Patient Protection and Affordable Care Act
A guide for insurance professionals, agents, and brokers on the implementation of the Affordable Care Act including the regulatory impact on health plans, agents and brokers, and your clients.

CO-OP Plans: The ACA's Public Plan Alternative
Co-ops the public option alternative within the Affordable Care Act

HSA History and Enrollment
HSA History and Enrollment

Major Medicaid Fraud Uncovered: APS Healthcare Pays $13 Million Settlement
Article illustrating Georgia FBI Medicaid fraud investigation Georgia fraudulent administration analysis of Georgia Medicaid fraud program by APS Healthcare

Will Exchanges Compete Directly with Agents and Brokers?
Article details and analyzes how the new health insurance exchanges will be organized and may sell insurance plans as well as act as an online marketplace. If the exchanges actively sell plans they will compete directly with agents and brokers. States will have this and other key decisions as they implement individual exchanges as authorized under the Patient Protection and Affordable Care Act (PPACA)

Biofuel Crop Insurance on the Horizon?
Biofuel Crop Insurance on the Horizon?

State Politics/ Policy Game-Changers on Implementing ACA
State Politics/ Policy Game-Changers on Implementing ACA

National Flood Insurance Program Extended One Year

Reinsurance Primer
Reinsurance Primer

Retirees Receiving Small COLA Increase
Retirees Receiving Small COLA Increase

CLASS Act Program and Regulation Summary
Article illustrating how te new CLASS Act longe term care program works and its related regulations.

Medicare Reform Proposals Analyzed
Article analyzing Medicare reform proposals

Medical Loss Ratios- State Impacts
Analysis of the impact of the medical loss ratio rules under the Affordable Care Act in various states

How Readable Should Insurance Policies Be?
Article on the appropriate readability level of insurance policies

Agents Harmed by New Crop Insurance Regs
Agents Harmed by New Crop Insurance Regs

2012 HSA Contribution Rules Set
Article detailing the 2012 HSA Contribution Rules.

2011 Flood Insurance Review
Article detailing activity in the insurance industry in 2011 related to floods

Interstate Health Insurance Sales Analysis
Article analyzing the effects of allowing interstate sale and purchase of health insurance.

National Quality Strategy
National Quality Strategy

Brokers React to Medical Loss Ratio
Medical loss ratio rules established by the NAIC model regulation pursuant to requirements under the PPACA (Affordable Care Act) insurer requirements

Unreasonable Rate Hike Rule Released
Article on new rules by the Department of Health and Human Services on the unreasonable rate hike review rules recently released

Florida Lawmaker Unveils Bill to Shrink Citizens Property Insurance
Florida Lawmaker Unveils Bill to Shrink Citizens Property Insurance

Retiree Healthcare Costs Exploding
Article on exploding costs of retiree halthcare coverage

Texas Health Law May Violate Anti-trust Laws
Article concerning a new Texas health law that may violate anti-trust laws.

How Hawaii Benefits from Health Reform
Article on how Hawaii is benefiting from Health care Reform payment initiatives

Study: Flood Insurance Premiums Far Too Low
Article on report showing flood insurance premiums are one third of what they should be

Kansas Considers Health Care Freedom Law
Article on Kansas proposal considers health care freedom law

Will Exchanges Compete Directly with Agents and Brokers?
Article details and analyzes how the new health insurance exchanges will be organized and may sell insurance plans as well as act as an online marketplace. If the exchanges actively sell plans they will compete directly with agents and brokers. States will have this and other key decisions as they implement individual exchanges as authorized under the Patient Protection and Affordable Care Act (PPACA)

Homeowner’s Insurance Exclusions Discussed
Article detailing some little known homeowner’s insurance exclusions.

New York Exchange to Keep Agent's Role
Article describing on New York state proposal will retain agent's role in development of Health Insurance Echange.

State Status on Health Insurance Exchanges
Article describing the staus of states on implementing Health Insurance Exchanges

Will PPACA Provide Incentives to Drop Health Coverage?
Article detailing how the PPACA might provide incentives to drop health coverage

The Patient Protection and Affordable Care Act
A guide for insurance professionals, agents, and brokers on the implementation of the Affordable Care Act including the regulatory impact on health plans, agents and brokers, and your clients.

Health Insurance Exchange Development Models Emerge
Article describing the four types of Health Insurance Exchange Models that are emerging as states comply with the PPACA

UnitedHealth Sues Over Lost TRICARE Contract
Article describing lawsuit brought by UnitedHealth against U.S. government for award made to Humana

NFIP Reform Moving Slowly Ahead
Article on Congressional efforts to reform NFIP moving slowly

Details on readability issues with insurance policies and state requirements
Article detailing readability issues with insurance policies and state regulatory readability requirements

NAIC Reverses Position on Medical Loss Ratio
Article on the NAIC's decision to no longer back insurance commissions exemption flrom the MLR.

Individual Mandate in Crosshairs at PPACA hearing
Article concerning Appeals court questions regarding individual mandate at PPACA hearing.

How Would President Pawlenty Reform Healthcare?
Article on former Minnesota Governor Tim Pawlenty's ideas to reform healthcare in the U.S.

NRRA Surplus Lines Law Take Effect
Article on the new NRRA Surplus Lines Law which takes effect July 21, 2011

Producer Commissions and the MLR Dabate
Article discussing producer commissions and the Medical Loss Ratio Dabate

Debt Ceiling Deal Details
Article on Debt Ceiling Deal Details

Florida Forgoes Insurance Exchange Development
Article on Florida's decision to say no to insurance exchange development

SLIMPACT Surplus Lines Reform Moves Forward
Is SLIMPACT the Solution for Surplus Lines Regulation?

Medicare Demo Reaps Savings
Article provides details on Medicare demo which has reaped savings through provider bonus payments

Rate Hike Review Rules
Article on rate hike review rules

PPACA Benefit Schedule Rules Released
Article on PPACA Benefit Schedule Rules Released

1 in 14 Physicians Sued Each Year
Article concerning how 1 in 14 physicians is sued each year

CMS Seeks Payment Reform Innovation
Article on CMS Innovation Center's payment reform and bundling initiative.

PCIP Program Now Allows Broker/Agent Commissions
Article on new federal Pre-existing consition insurance program details

Wisconsin Weighs Health Insurance Exchange Development
Wisconsin: Battleground of HIX Development

Small Business Health Relief Act Examined
Article examining the Small Business Health Relief Act.

Forecasting the Supreme Court PPACA Ruling
Article forecasting the Supreme Court ruling of the PPACA

State Health Insurance Exchange Status Update
Article on state implementations of health insurance exchanges

CO-OP Plans: The ACA's Public Plan Alternative
Co-ops the public option alternative within the Affordable Care Act

Flood Insurance Reform Update
Article on 2012 Flood Insurance Reform Update

Seven Funded CO-OP Plans Named by CMS
Seven Funded CO-OP Plans Named by CMS

Canadian Health Spending Account Primer
Article on Canadian style Health Spending Accounts

HHS Drafts PPACA CO-OP Rules
HHS Drafts PPACA CO-OP Rules

Eligibility and the Individual Mandate
Eligibility and the Individual Mandate

Medicare Payments and Quality Linked in Pilot
Medicare and Quality Reimbursement Linked in Pilot

Massachusetts Attempting Health Payment Reform
Massachusetts Attempting Health Payment Reform

IRS Sets 2013 HSA Contribution Limits
IRS Announces 2013 HSA Limits

Domestic Partner Benefits the Next Mandate?
Article detailing whether domestic partner benefits are the next mandate

Romney vs. Obama Health Care Policy
Romney vs. Obama Health Care Policy

The Employer Comparative Effectiveness Research Fee
Article explaining the new comparative effectiveness research fee mandated on employers.

Federal Health Insurance Exchange Guidelines Released
Artucke discussing new Federal Health Insurance Exchange Guidelines.

Basic Health Plans and Risk Selection
Basic Health Plans and Risk Selection

Research Reveals Wide Variance in Auto Premiums
Research Reveals Wide Variance in Auto Premiums

Tax Components of Health Care Approval
Tax Components of Health Care Approval

Workers Compensation State Updates
Article onWorkers Compensation State Updates

Next Battle: Health Insurance Exchange Rules
Next Battle: Health Insurance Exchange Rules

GOP Planning ObamaCare Ruling Reaction
GOP Planning ObamaCare Reaction

Few Takers of Health Reform Tax Credit
Few Takers of Health Reform Tax Credit

Intro to Chinese Insurance Regulation
Intro to Chinese Insurance Regulation

Health Reform and Small Businesses
Article on Health Reform and Small Businesses looking at business size and tax credits

States, Waivers, & Medical Loss Ratios
Article on medical loss ratio rules in the states

Utah Exchange Experiences Growing Pains
Article on Utah Health Insurance Exchange Experiencing Growing Pains

Medical Malpractice Reform Proposal
Article providing a primer on Medical Malpractice Reform.

Employer Requirements Under ObamaCare
Employer Requirements Under ObamaCare

Analysis of Possible Supreme Court PPACA Decisions
Analysis of Possible Supreme Court PPACA Decisions

HSA History and Enrollment
HSA History and Enrollment

Health Care Reform Impacts in 2012
Article on 2012 health care reform implementation

Many States Pursuing Medicaid Cuts Citing PPACA
Many States Pursuing Medicaid Cuts Citing PPACA

Major Medicaid Fraud Uncovered: APS Healthcare Pays $13 Million Settlement
Article illustrating Georgia FBI Medicaid fraud investigation Georgia fraudulent administration analysis of Georgia Medicaid fraud program by APS Healthcare

Florida Reforms P&C Insurance Rates
Article describing Florida legislation that reforms Property and Casualty insurance rates.

Agents Harmed by New Crop Insurance Regs
Agents Harmed by New Crop Insurance Regs

Biofuel Crop Insurance on the Horizon?
Biofuel Crop Insurance on the Horizon?

Florida Lawmaker Unveils Bill to Shrink Citizens Property Insurance
Florida Lawmaker Unveils Bill to Shrink Citizens Property Insurance

State Politics/ Policy Game-Changers on Implementing ACA
State Politics/ Policy Game-Changers on Implementing ACA

National Quality Strategy
National Quality Strategy

Reinsurance Primer
Reinsurance Primer

Retirees Receiving Small COLA Increase
Retirees Receiving Small COLA Increase

CLASS Act Program and Regulation Summary
Article illustrating how te new CLASS Act longe term care program works and its related regulations.

Medicare Reform Proposals Analyzed
Article analyzing Medicare reform proposals

Medical Loss Ratios- State Impacts
Analysis of the impact of the medical loss ratio rules under the Affordable Care Act in various states

How Readable Should Insurance Policies Be?
Article on the appropriate readability level of insurance policies

Medical Malpractice Reform Proposal
Article providing a primer on Medical Malpractice Reform.

2012 HSA Contribution Rules Set
Article detailing the 2012 HSA Contribution Rules.

2011 Flood Insurance Review
Article detailing activity in the insurance industry in 2011 related to floods

Interstate Health Insurance Sales Analysis
Article analyzing the effects of allowing interstate sale and purchase of health insurance.

Florida Reforms P&C Insurance Rates
Article describing Florida legislation that reforms Property and Casualty insurance rates.

Homeowner’s Insurance Exclusions Discussed
Article detailing some little known homeowner’s insurance exclusions.

Unreasonable Rate Hike Rule Released
Article on new rules by the Department of Health and Human Services on the unreasonable rate hike review rules recently released

Study: Flood Insurance Premiums Far Too Low
Article on report showing flood insurance premiums are one third of what they should be

Retiree Healthcare Costs Exploding
Article on exploding costs of retiree halthcare coverage

Texas Health Law May Violate Anti-trust Laws
Article concerning a new Texas health law that may violate anti-trust laws.

How Hawaii Benefits from Health Reform
Article on how Hawaii is benefiting from Health care Reform payment initiatives

Producer Commissions and the MLR Dabate
Article discussing producer commissions and the Medical Loss Ratio Dabate

Kansas Considers Health Care Freedom Law
Article on Kansas proposal considers health care freedom law

PCIP Program Now Allows Broker/Agent Commissions
Article on new federal Pre-existing consition insurance program details

Will PPACA Provide Incentives to Drop Health Coverage?
Article detailing how the PPACA might provide incentives to drop health coverage

New York Exchange to Keep Agent's Role
Article describing on New York state proposal will retain agent's role in development of Health Insurance Echange.

State Status on Health Insurance Exchanges
Article describing the staus of states on implementing Health Insurance Exchanges

Individual Mandate in Crosshairs at PPACA hearing
Article concerning Appeals court questions regarding individual mandate at PPACA hearing.

How Would President Pawlenty Reform Healthcare?
Article on former Minnesota Governor Tim Pawlenty's ideas to reform healthcare in the U.S.

Health Insurance Exchange Development Models Emerge
Article describing the four types of Health Insurance Exchange Models that are emerging as states comply with the PPACA

UnitedHealth Sues Over Lost TRICARE Contract
Article describing lawsuit brought by UnitedHealth against U.S. government for award made to Humana

NFIP Reform Moving Slowly Ahead
Article on Congressional efforts to reform NFIP moving slowly

Details on readability issues with insurance policies and state requirements
Article detailing readability issues with insurance policies and state regulatory readability requirements

NAIC Reverses Position on Medical Loss Ratio
Article on the NAIC's decision to no longer back insurance commissions exemption flrom the MLR.

Federal Health Insurance Exchange Guidelines Released
Artucke discussing new Federal Health Insurance Exchange Guidelines.

HHS Drafts PPACA CO-OP Rules
HHS Drafts PPACA CO-OP Rules

NRRA Surplus Lines Law Take Effect
Article on the new NRRA Surplus Lines Law which takes effect July 21, 2011

Debt Ceiling Deal Details
Article on Debt Ceiling Deal Details

Rate Hike Review Rules
Article on rate hike review rules

Florida Forgoes Insurance Exchange Development
Article on Florida's decision to say no to insurance exchange development

SLIMPACT Surplus Lines Reform Moves Forward
Is SLIMPACT the Solution for Surplus Lines Regulation?

Medicare Demo Reaps Savings
Article provides details on Medicare demo which has reaped savings through provider bonus payments

Wisconsin Weighs Health Insurance Exchange Development
Wisconsin: Battleground of HIX Development

PPACA Benefit Schedule Rules Released
Article on PPACA Benefit Schedule Rules Released

1 in 14 Physicians Sued Each Year
Article concerning how 1 in 14 physicians is sued each year

CMS Seeks Payment Reform Innovation
Article on CMS Innovation Center's payment reform and bundling initiative.

Workers Compensation State Updates
Article onWorkers Compensation State Updates

The Employer Comparative Effectiveness Research Fee
Article explaining the new comparative effectiveness research fee mandated on employers.

Small Business Health Relief Act Examined
Article examining the Small Business Health Relief Act.

Forecasting the Supreme Court PPACA Ruling
Article forecasting the Supreme Court ruling of the PPACA

State Health Insurance Exchange Status Update
Article on state implementations of health insurance exchanges

States, Waivers, & Medical Loss Ratios
Article on medical loss ratio rules in the states

Flood Insurance Reform Update
Article on 2012 Flood Insurance Reform Update

Seven Funded CO-OP Plans Named by CMS
Seven Funded CO-OP Plans Named by CMS

Canadian Health Spending Account Primer
Article on Canadian style Health Spending Accounts

Health Care Reform Impacts in 2012
Article on 2012 health care reform implementation

Eligibility and the Individual Mandate
Eligibility and the Individual Mandate

Medicare Payments and Quality Linked in Pilot
Medicare and Quality Reimbursement Linked in Pilot

Massachusetts Attempting Health Payment Reform
Massachusetts Attempting Health Payment Reform

IRS Sets 2013 HSA Contribution Limits
IRS Announces 2013 HSA Limits

Domestic Partner Benefits the Next Mandate?
Article detailing whether domestic partner benefits are the next mandate

GOP Planning ObamaCare Ruling Reaction
GOP Planning ObamaCare Reaction

Few Takers of Health Reform Tax Credit
Few Takers of Health Reform Tax Credit

Analysis of Possible Supreme Court PPACA Decisions
Analysis of Possible Supreme Court PPACA Decisions

Basic Health Plans and Risk Selection
Basic Health Plans and Risk Selection

Research Reveals Wide Variance in Auto Premiums
Research Reveals Wide Variance in Auto Premiums

Tax Components of Health Care Approval
Tax Components of Health Care Approval

Health Reform and Small Businesses
Article on Health Reform and Small Businesses looking at business size and tax credits

Next Battle: Health Insurance Exchange Rules
Next Battle: Health Insurance Exchange Rules

Many States Pursuing Medicaid Cuts Citing PPACA
Many States Pursuing Medicaid Cuts Citing PPACA

Employer Requirements Under ObamaCare
Employer Requirements Under ObamaCare

Intro to Chinese Insurance Regulation
Intro to Chinese Insurance Regulation

Romney vs. Obama Health Care Policy
Romney vs. Obama Health Care Policy

Utah Exchange Experiences Growing Pains
Article on Utah Health Insurance Exchange Experiencing Growing Pains

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