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Healthcare

In March of 2010, the Patient Protection Affordable Care Act, commonly referred to as the Affordable Care Act (ACA), was signed into law by President Obama. As the ACA is implemented, the restaurant industry will be significantly impacted. From individuals to families, and small business with 50 or fewer employees to large, multi-unit employers with hundreds of employees, the new healthcare benefit landscape will certainly affect you and your employees.

Under the Affordable Care Act, health insurance marketplaces have been established at both the state and national level to facilitate the purchase of health insurance for individuals, families and businesses. Where you go to sign up for healthcare depends on where you live or operate your business. In the District of Columbia, RAMW is partnering with the DC Health Link to get restaurant employees, owners and operators the information they need to sign up and stay in compliance with the law. Those operators with businesses in Virginia and who are looking to purchase coverage for their employees, will need to visit www.healthcare.gov. In Maryland, operators who are looking to purchase coverage for their employees may visit Maryland's Health Benefit Exchange.

RAMW is working to ensure that restaurant owners and operators, and their employees receive information on healthcare developments in a timely and efficient manner. If you have any additional questions about DC Health Link, please contact Jackie Ludden, Project Director for the RAMW/DC Health Link Partnership or visit the National Restaurant Association's healthcare resource center.


Healthcare FAQs for Restaurants #2

May 15, 2013
You ask and we answer. The following questions and answers are a result of responses we received from the earlier round of FAQs. Health Care FAQ's For Restaurants My restaurant has fewer than 50 employees and I offer insurance but only to my senior staff. Since we’re under 50 and exempt from the employer health care mandate, can we continue to offer to only some of our staff? There are five restaurants trading under the same name in our group but each restaurant was set up individually with a different mix of investors, and that have been accounted for and that we have filed taxes...

Healthcare FAQs for Restaurants

April 30, 2013
Below you will find an FAQ session that will help update you on the health care mandate. We would like to continue with frequent updates based on what you need and want to know. So please, send us your questions for the next FAQ session to betsy@ramw.org : Health Care FAQ's For Restaurants Will all restaurants have to offer health benefits to their employees? What are my options for offering health care to my employees? Am I OK with the insurance I have now? I have restaurants in DC, Virginia and Maryland. Is each restaurant considered a separate business? My restaurants are under common...

Health Care Reform Advisory 8.23.11

August 26, 2011
The Patient Protection & Affordable Care Act requires employers to provide employees with four written notices (if applicable to your plan). Click here to obtain sample notice language as approved by the Department of Labor. Notices must be provided no later than the first day of the plan year and can be included with other enrollment materials, provided the statements are prominent. 1) Lifetime Limits 2) Coverage to Age 26 3) Designation of a Primary Care Provider (if applicable) 4) Grandfathered Plan Status (if applicable) Remember, group health plans are required to provide various...Read more

Health Care Reform Advisory

December 9, 2010
The IRS recently issued a notice, stating that the W-2 reporting requirement is now not applicable until 2012 (i.e. for reporting on forms issued in January 2013 for the 2012 calendar year). So what does this mean for you as an employer? You have another year to prepare. You should start tracking the value of your employees' health benefits (if you don't already). Have a conversation with your payroll company on this topic and include working out a plan that will help you comply with the new guidelines. Finally, a few other 'W-2' heath care reform reminders to keep in mind: The intent of the...Read more

NRA Summary of the Health Care Reform Law

May 13, 2010
On March 23, 2010, President Obama signed the Patient Protection and Affordable Care Act into law ( P.L. 111-148 ). This was followed on March 30, 2010, with the signing of the Health Care and Education Reconciliation Act , to modify the first Act. The result is an extensive and complex health care reform law aimed at expanding access to health care coverage for millions of Americans. The new law imposes many new requirements on individuals and employers. Most of the key provisions take effect starting in 2014, such as the requirement that large employers either provide health care coverage...Read more

Health Care Reform

March 30, 2010
On December 24, 2009 the Senate passed H.R. 3590, the Patient Protection and Affordable Care Act, by a vote of 60-39. On March 21, 2010, the House passed the same bill by a vote of 219-212. On March 21st, the House also passed H.R. 4872, the Reconciliation Act of 2010, by a vote of 220-211. This bill made modifications to PL 111-148. The Senate slightly amended the bill and passed it on March 25, 2010 by a vote of 56-43. Later that evening, the House passed H.R. 4872 as modified by the Senate by a vote of 220-207. What is reconcilliation? Description of the reconcillation process. On March 23...Read more

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