Health Care Reform



/content/dam/mercer/1000x282/Gradient Versions/img-FL000309a-gradient-1000x282.jpg

Mercer offers comprehensive options to meet the objectives related to employee health and welfare benefit plans, while ensuring compliance with the health care reform legislation.

Mercer has more than three decades of industry leadership in researching, designing, implementing, and tracking the adoption of innovative health solutions. Nowhere is this leadership more evident than in our range of services related to the Patient Protection and Affordable Care Act (ACA), sweeping legislation that has produced the most significant changes to the US health care system since Medicare was established in 1965.

 

Mercer provides clients with comprehensive options to meet the business, strategic, and financial objectives related to their employee health and welfare benefit plans, while ensuring compliance with the health care reform legislation. We work with clients to:

 

  • Assess benefits strategy and plan designs to implement health care reform within the framework of the legislation.
  • Conduct financial modeling to quantify the ACA’s impact.
  • Ensure compliance with the law and avoidance of penalties.
  • Develop cost-management and cost-mitigation strategies.
  • Produce tools and resources to communicate health care reform provisions to employees.
  • Implement administrative solutions to meet the ACA’s employee eligibility and affordability requirements.

Our legal and regulatory expertise, combined with our market-leading employee health and benefits consulting, administration, and broking services, makes Mercer the ideal partner for navigating the challenges — and opportunities — of health care reform.


Health Reform Five Years In
 

Mercer’s latest survey on health reform, asked employers about open enrollment results for 2015 to determine the impact of ESR on employer-sponsored plans.
 

Learn more

 

/content/dam/mercer/1000x282/people-related/Gradient People Related/HCR-blog-three-reasons-filter-1000x332.jpg

Mercer/Signal: US Health Care Reform offers a steady stream of information and insight on the rapidly transforming health care environment and what the changes mean to employers and employees.

Many employers today find it difficult to wade through the torrent of information on health care reform and determine what’s relevant to their organization. Mercer/Signal: US Health Care Reform is a content portal that offers a steady stream of information and insight on the rapidly transforming health care environment and what these changes mean to employers and employees.
 

In addition to sharing Mercer’s own research and observations, Mercer/Signal: US Health Care Reform draws content from a wide range of other credible sources, with commentary added by Mercer’s experts. Content — including articles, infographics, podcasts, videos, research, and more — is updated daily. Visitors are asked to register, but there is no charge.
 

Employers, journalists, and others may sign up for the portal at http://www.ushealthnews.mercer.com. Subscribers will gain access to all content, be able to comment and engage in conversations, and receive a weekly email announcing new content. Content from the portal also is shared through LinkedIn and Twitter @MercerUSHealth.

 

Contact:

Tracy Watts (Washington, DC)
Senior Partner, Employee Health & Benefits
+1 202 331 5252
Email

 

Beth Umland (New York)
Director of Research, Employee Health & Benefits
+1 212 345 2464
Email

/content/dam/mercer/1000x282/Gradient Versions/img-FL000128b-gradient-1000x282.jpg

Understanding the impact of the Cadillac Tax is critical for US employers

Ever since the Affordable Care Act was passed, the Cadillac Tax has been one of the top health care reform-related concerns for employers. Now, with the regulation going into effect in 2018, it is clear that the 40% excise tax on high-cost employer-sponsored coverage could have significant cost implications for employers and employees alike.

How it works
 

The 40% excise tax is on the “excess benefit” over the current threshold of $10,200 for self-only coverage or $27,500 for family coverage, with higher thresholds for certain populations such as retirees and  workers in high-risk professions. Based on Mercer’s most recent projections, one-third of employers in the US are currently on target to hit this excise tax threshold in 2018 if they make no plan design changes. 

Preparing for 2018
 

Do you know when your organization will hit the excise tax threshold?
 

Mercer’s new excise tax calculator can help you find out — just enter your number of employees and annual cost by medical plan tier. 
 

Mercer can help you understand your total exposure to this new regulation and develop a risk mitigation plan for 2018 and beyond. 

Go to our Excise Tax Calculator

 

 

CONTACT US ABOUT HEALTH CARE REFORM SERVICES

*Required Fields

What we do

Mercer offers comprehensive options to meet the objectives related to employee health and welfare benefit plans, while ensuring compliance with the health care reform legislation.

Mercer has more than three decades of industry leadership in researching, designing, implementing, and tracking the adoption of innovative health solutions. Nowhere is this leadership more evident than in our range of services related to the Patient Protection and Affordable Care Act (ACA), sweeping legislation that has produced the most significant changes to the US health care system since Medicare was established in 1965.

 

Mercer provides clients with comprehensive options to meet the business, strategic, and financial objectives related to their employee health and welfare benefit plans, while ensuring compliance with the health care reform legislation. We work with clients to:

 

  • Assess benefits strategy and plan designs to implement health care reform within the framework of the legislation.
  • Conduct financial modeling to quantify the ACA’s impact.
  • Ensure compliance with the law and avoidance of penalties.
  • Develop cost-management and cost-mitigation strategies.
  • Produce tools and resources to communicate health care reform provisions to employees.
  • Implement administrative solutions to meet the ACA’s employee eligibility and affordability requirements.

Our legal and regulatory expertise, combined with our market-leading employee health and benefits consulting, administration, and broking services, makes Mercer the ideal partner for navigating the challenges — and opportunities — of health care reform.


Health Reform Five Years In
 

Mercer’s latest survey on health reform, asked employers about open enrollment results for 2015 to determine the impact of ESR on employer-sponsored plans.
 

Learn more

 

US Health Care Reform News

Mercer/Signal: US Health Care Reform offers a steady stream of information and insight on the rapidly transforming health care environment and what the changes mean to employers and employees.

Many employers today find it difficult to wade through the torrent of information on health care reform and determine what’s relevant to their organization. Mercer/Signal: US Health Care Reform is a content portal that offers a steady stream of information and insight on the rapidly transforming health care environment and what these changes mean to employers and employees.
 

In addition to sharing Mercer’s own research and observations, Mercer/Signal: US Health Care Reform draws content from a wide range of other credible sources, with commentary added by Mercer’s experts. Content — including articles, infographics, podcasts, videos, research, and more — is updated daily. Visitors are asked to register, but there is no charge.
 

Employers, journalists, and others may sign up for the portal at http://www.ushealthnews.mercer.com. Subscribers will gain access to all content, be able to comment and engage in conversations, and receive a weekly email announcing new content. Content from the portal also is shared through LinkedIn and Twitter @MercerUSHealth.

 

Contact:

Tracy Watts (Washington, DC)
Senior Partner, Employee Health & Benefits
+1 202 331 5252
Email

 

Beth Umland (New York)
Director of Research, Employee Health & Benefits
+1 212 345 2464
Email

Tools And Resources

Understanding the impact of the Cadillac Tax is critical for US employers

Ever since the Affordable Care Act was passed, the Cadillac Tax has been one of the top health care reform-related concerns for employers. Now, with the regulation going into effect in 2018, it is clear that the 40% excise tax on high-cost employer-sponsored coverage could have significant cost implications for employers and employees alike.

How it works
 

The 40% excise tax is on the “excess benefit” over the current threshold of $10,200 for self-only coverage or $27,500 for family coverage, with higher thresholds for certain populations such as retirees and  workers in high-risk professions. Based on Mercer’s most recent projections, one-third of employers in the US are currently on target to hit this excise tax threshold in 2018 if they make no plan design changes. 

Preparing for 2018
 

Do you know when your organization will hit the excise tax threshold?
 

Mercer’s new excise tax calculator can help you find out — just enter your number of employees and annual cost by medical plan tier. 
 

Mercer can help you understand your total exposure to this new regulation and develop a risk mitigation plan for 2018 and beyond. 

Go to our Excise Tax Calculator

 

 

CONTACT OUR TEAM

Recent Activities

Mercer

Private Exchanges Help Employers, Employees Maximize Value

Eric Grossman, Mercer senior partner and Active Mercer Marketplace business leader, speaks about the value proposition of private benefit exchanges for employers and employees.   Learn More

Mercer

Reforming Employee Health Care: Global Challenge, Public and Private Solutions

Learn how health care reform is inevitably complex, differing by country, compounded by political friction, cross-border regulatory and cultural differences.  Learn More

Mercer

Mercer Private Exchange Expands Plan Choice, Reduces Cost

Data from our private benefits exchange shows employees will “right-size” benefits to match their needs when given more choice and decision support. 13 May 2014  Learn More