In This Issue
Quick Links
Learn More about ThinkHR
DOL Overtime Rules
ACA Rules Allow People To Game The System
Other Interests
10 Timeless Habits That Will Change Your Life Right Now.      Read More

National Headache Awareness Month
June is National Migraine Awareness Month. To learn more about Migranes and headaches read below.  Read More

June 2016 
Welcome to Rawls Insurance Group, Health Insights. We will highlight ideas, solutions, changes and much more that apply to the health benefits and the Human Resources role. 


The Affordable Care Act (ACA) created the Patient-Centered Outcomes Research Institute to study clinical effectiveness and he alth outcomes. To finance the Institutes work, a small annual fee - commonly called the PCORI fee - is charged on group health plans. 

The fee applies for each year ending between October 1, 2012 and September 30, 2019 only. The fee is an annual amount multiplied by the number of plan participants. 

If your plan year ended between October 1, 2015 and September 30, 2016, then your PCORI fee for this year will be $2.17 per participant. 
Insurers are responsible for calculating and paying the fee for insured plans. Employers sponsoring self-insured (self-funded) plans are responsible for calculating and paying the fee with respect to those plans. 

The fee general applies to all group health plans except:
* HIPAA-excepted benefits 
* Plans that do not provide significant benefits for    medical care of treatment (e.g., employee  
   assistance, disease management and 
   wellness programs)
* Stop-loss insurance policies
* Health Savings Accounts (HSA's)

A health reimbursement arrangement (HRA) that is integrated with another self-insured plan sponsored by the same employer (e.g., major medical plan or high deductible health plan) is not subject to a separate fee. If, however, the HRA stands alone, or the HRA is integrated with an insured plan, or the HRA is integrated with a different sponsor's self-insured plan, then the HRA plan sponsor must calculate and pay the fee. 

Payment is due by July 31 following the calendar year in which the plan year ends. Use IRS Form 720, Quarter Federal Excise Tax Return.

Rawls Insurance Group will provide calculations for our groups that are self-funded. If you are unsure about your plan, please give us a call. 844-551-9833.

For FAQ's on PCORI Fee's click  here.

Everyone has one, if not, they should. The question is, how current is it?

With ThinkHR's 50-State Handbook Builder, building handbooks and keeping them updated becomes a simple process.

You can use the Handbook Builder to:
  • Minimize your risk of employment liability with clear, regulatory-compliant policies.
  •  Help ease the burden of compliance with pre-developed content, step-by-step instructions, expert commentary and online support.

To learn more about ThinkHR, give us a call. An employee handbook is just a small portion of ThinkHR. 1-844-551-9833

Rawls Insurance Group | 844-551-9833 | info@rigllc.net | http://www.rigllc.net
Locust Grove, GA 30248