Are you included in the 65% of employers who don’t understand what they need to do to comply with Health Care Reform in 2014? Time is ticking and Evolution Benefits Consulting is here to help. Our team of expert benefits consultants will ensure that your company not only complies with all aspects of the ACA, but that your benefits strategy is proactive and makes sense for your business.


Evolution Benefits Consulting has developed a proprietary private exchange, defined contribution approach to providing employee benefits. Learn more.


May 2014: Variable Hour Workforce

In our February 2014 Spotlight we provided a brief overview of the final regulations and safe harbor provisions for the variable hour workforce. In this edition, we’ll review each phase and how to go about the calculation for employers with 100 or more employees.

March 2014: ACA Updates

March 2014 continues to bring employers a steady stream of final regulations related to the Affordable Care Act. Recently, final rules were released on employer reporting to the IRS as required under Section 6055 and 6056, as well as confirmation on the reinsurance fees and payment process.

February 2014: The ACA’s Employer Mandate is delayed once again

The one certainty with the Affordable Care Act is that nothing is for certain. Monday the Treasury Department announced the most recent regulations regarding the Affordable Care Act’s employer mandate. This is the rule that requires employers to offer affordable health insurance to full-time employees and full time equivalents (FTE), which is defined as working 30 hours or more. Affordability is defined as employee paying no greater than 9.5 percent of their income, and a plan that pays for the equivalent of 60 percent of healthcare expenses. Businesses that fail to do so will eventually face a fine of up to $2,000 for each employee not offered coverage, though workers are not required to sign up for the benefits.

December 2013: Market View and "Opaque" Transparency

Bill Gates once said that we often over-estimate the change in three years and under-estimate the change in 10 years. While he was referencing technology, the same could now be said related to the employer-based health care market. We expect employee choice and responsibility to increase and employer “administration” to decrease. The question is whether it will occur in 3 years...10 years... We believe it will most likely be 2 to 4 years. The change will happen quickly, accelerated by the public exchange market forces and related laws.

November 2013: FSA Changes & ACA Update

On November 1, the U.S. Treasury announced some major modifications to the “Use It Or Lose It” rule, which required any leftover balance in a Flexible Spending Account (FSA) to be forfeited at the end of the plan year.

September 2013: PPACA Employee Notices

As if the fall season wasn’t already busy enough for employee benefit departments with open enrollment preparation, here is a reminder about the employee notices that are fast approaching. There is the revision to the Notice of Privacy Practices as well as the newly added, Notice of Health Insurance Marketplace.