►
From YouTube: Benefits Education Sessions - Federal Healthcare Reform
Description
Benefits Education Sessions - Federal Healthcare Reform
A
B
B
B
I
think
it's
kind
of
a
well
great
area
on
health
insurance.
They
just
haven't
explained
it
all
and
I
think
the
American
people
have
no
idea
of
what's
in
that
bill.
Basically,
everyone
would
be
covered
for
free,
the
employer
or
the
individual
has
to
pay
some
kind
of
tax
I
believe
poor
people
can
get
health
care.
A
Heard
there
are
a
lot
of
ideas
as
to
what
health
care
reform
means.
It
is
our
hope
that
the
information
presented
in
this
video
will
help.
You
have
a
better
understanding
of
how
federal
health
care
law
may
impact
you,
as
we
will
discuss
due
to
changes
in
federal
regulations.
There
are
some
additional
health
care
insurance
options
for
you
to
consider.
This
fall
during
open
enrollment
for
the
majority
of
you
who
currently
receive
health
care
coverage
from
the
city
of
boulder
or
a
spouse's
employer
plan.
A
We
anticipate
that
this
may
continue
to
be
your
most
affordable
option.
However,
the
city
in
your
human
resources
department
want
to
keep
you
informed
of
all
of
the
new
options
available
so
that
you
can
make
the
best
decision
when
the
time
comes.
So,
let's
begin
today
in
2013,
when
it
comes
to
health
care
insurance,
you
essentially
have
one
of
two
choices:
enroll
in
one
of
the
city's
plans.
A
If
you
are
eligible
or
opt
out
of
the
city's
plans
due
to
other
coverage
you're
receiving
through
a
spouse
or
partners,
plan
a
parent's
plan,
military
coverage,
Medicare
or
Medicaid
because
of
the
new
health
care
reform
law.
In
2014,
all
Americans
will
be
required
to
have
some
form
of
health
insurance,
with
very
few
exceptions.
To
help
accomplish
this,
we
will
all
have
additional
options
to
consider
when
it
comes
to
health
care
in
2014.
A
It's
important
to
understand
these
choices,
evaluate
them
and
make
an
informed
decision
during
the
city's
benefits
open
enrollment
later
this
year.
Well,
we
will
provide
you
with
more
detailed
information
on
these
choices
in
the
coming
months.
Here
is
an
overview
of
your
2014
health
care
coverage
options.
The
first
two
choices
will
remain
the
same.
The
third
option
to
consider
is
Medicaid.
Colorado
is
one
of
a
number
of
states
that
has
chosen
to
expand
eligibility
for
its
Medicaid
program.
This
means
more
people
will
become
eligible
for
this
program.
A
Medicaid
requires
no
monthly
charges
or
premiums
to
those
who
qualify
and
there's
little
to
no
cost
at
the
time
of
care.
If
you
qualify
for
Medicaid
based
upon
your
household
income,
which
is
earnings
of
approximately
fifteen
thousand
five
hundred
or
less
for
a
single
person
household
and
thirty,
two
thousand
or
less
for
a
family,
we
strongly
recommend
that
you
take
advantage
of
this
option.
The
fourth
option
is
to
enroll
in
the
colorado
state
healthcare
exchange.
A
A
These
plans
have
been
named,
bronze,
bronze,
plus
Silver
Gold
and
Platinum
bronze
plans
will
have
the
lowest
premium
costs
and
the
most
out
of
pocket
expenses
in
the
form
of
deductibles,
coinsurance
and
co-pays
platinum
plans,
on
the
other
hand,
will
likely
be
similar
to
HMOs
with
low
or
no
deductibles
and
attractive
co-pays.
This
means
the
platinum
plans
will
have
the
highest
premium
costs
all
city
employees
have
the
option
of
coverage
on
the
state
exchange
or
marketplace.
A
However,
for
the
majority
of
you,
it
will
be
more
financially
feasible
to
remain
on
the
city's
coverage
or
that
of
a
spouse
or
parent
for
those
employees
who
are
not
eligible
for
the
city's
health
care
hands
or
for
those
who
are
not
offered
affordable.
City
coverage,
as
defined
by
the
law.
A
federal
subsidy
may
be
available
to
help
make
health
plans
on
the
marketplace
more
affordable
for
you.
We
encourage
you
to
evaluate
the
plan
designs
and
carrier
choices
offered
in
this
new
marketplace.
Some
may
work
better
for
you.
A
A
final
choice
is
to
have
no
insurance
well,
technically,
this
is
an
option.
New
tax
penalties
will
apply
if
you
are
uninsured.
The
penalty
is
fairly
small
in
2014,
but
it
will
grow
quickly
over
the
next
few
years.
Now
that
you
know
your
options
for
health
care
insurance
in
2014,
let's
spend
a
moment
touching
on
other
impacts.
The
new
law
may
have,
there
will
be
new
plan,
design
and
cost-sharing
requirements.
A
New
fees
and
policy
considerations
for
part-time,
temporary
and
seasonal
employees
will
discuss
the
plan,
impacts
first,
the
new
law
to
find
a
number
of
plan,
design
and
cost-sharing
requirements.
That
begin
in
2014
we're
pleased
to
tell
you
that
the
city
plans
and
premium
cost
sharing
arrangements
are
already
compliant
with
all
of
these
requirements.
So
let's
talk
about
the
cost
impacts.
There
are
three
new
fees
as
part
of
the
reform
legislation.
These
fees
will
be
used
to
start.
A
The
funding
of
the
federal
subsidies,
ensure
the
marketplace
against
any
high-risk
individuals
who
will
now
be
gaining
coverage
and
fund
government
research
on
the
quality
of
healthcare
services
in
our
nation.
These
fees
have
an
impact
on
our
health
insurance
premium
rates
at
the
city
for
2014.
The
city
will
pay
a
majority
of
these
fees.
However,
you
will
pay
a
portion
through
your
contribution
toward
the
plan
premium.
A
Finally,
from
a
policy
perspective,
the
city
is
currently
reviewing
an
element
of
the
law
that
may
have
some
additional
impacts
in
the
future.
For
the
first
time
ever,
the
federal
government
has
defined
what
it
means
to
be
a
full-time
employee
eligible
for
an
employer's
health
care
plan,
beginning
in
2015.
Anyone
working,
30
or
more
hours
per
week
will
be
considered
a
full-time
employee,
while
this
component
has
been
delayed
until
2015
we're
continuing
to
explore
it
now.
A
Standard
employees
who
work
20
to
29
hours,
temporary
and
seasonal
employees
should
stay
tuned
for
more
information
to
come
on
this
piece
of
healthcare
reform.
We
hope
this
information
has
provided
you
with
some
helpful
insights
into
the
potential
impact
of
federal
health
care
reform
on
an
individual
level.
We
understand
there
is
a
lot
to
consider
and
we
will
be
here
to
support
you
in
exploring
your
options
during
benefits.
Open
enrollment,
the
2014
benefits
guide
on
the
benefits
web
page
has
been
updated
to
include
information
on
health
care
reform
and
the
Colorado
State
exchange
implementation.