kirby logo

ACA – Affordable Care Act

The Affordable Care Act, or ACA, is an extremely complex law with many moving parts that have changed at a fast pace over the last 7+ years. Kirby Employee Benefits takes the provisions of the law very seriously when it comes to making sure our clients stay in in compliance. We can help walk you through the most difficult provisions of the law including penalty calculations, employer reporting responsibilities, calculating taxes, determining which affordability safe harbor works best for you, benefit provisions required, which preventive screenings must be covered, how to distribute any Medical Loss Ratio rebates (MLR), etc. It doesn’t just stop there, though.

There are many other laws that also affect employee benefit plans and we are knowledgeable and can help with your compliance needs. Among these laws are:

  • COBRA
  • Section 125 (pre-tax deductions, Flexible Spending Accounts)
  • Health Savings Accounts (HSAs)
  • Section 105 (Health Reimbursement Arrangements)
  • HIPAA
  • FMLA
  • ERISA
  • Wellness
  • State laws
  • And many others