Health care legislation and its numerous provisions are complex and multifaceted. HUB is committed to keeping you informed and to helping you understand and implement the required changes and take advantage of opportunities that may be available to you.

To explore how Health Care Reform may impact you and your business:


HUB International is committed to keeping clients updated on new developments involving the Patient Protection and Affordable Care Act.  Please see below for our breaking news bulletins.

Bulletins by Release Date:


Capturing Social Security Numbers for Enrolled Dependents - November 19, 2015

IRS Moves Against "Minimum Value" Plans without Hospitalization - November 11, 2014

Paying Reinsurance Fees: Complicated Process

Supreme Court Exempts For-Profit Employer Plans from Contraceptive Coverage Rule - July 3, 2014

Waiting Period: Final Regulations Clarify Orientation Period - June 27, 2014

Reminder: CER/PCORI Fee Due Date - June 12, 2014

Assessing PPACA Costs: Final Rules for Transitional Reinsurance Fee - May 16, 2014 

Revised Notice and New ACA Implications for COBRA - May 7, 2014

Health FSA Carryovers and Eligibility for a Health Savings Account (HSA) - April 21, 2014

Repeal of Limited Deductibles for Small Group Employers - April 3, 2014 

Final Regulations for Employer PPACA Reporting - March 21, 2014

Employer Mandate: Final Regulations Published - February 20, 2014

90-Day Waiting Period: Final Regulations Published - March 5, 2014  

Proposed Expansion of Excepted Benefits under ACA - January 29, 2014


Reinsurance Fee and Related Guidance for 2015 - December 10, 2013 

ACA Market Reform: Applicability to Account Based Programs - November 7, 2013

No Penalty for Failure to Provide Exchange Notice - September 12, 2013

Health Plan Election Changes and Insurance Exchanges - August 21, 2013

IRS Announces One-Year PPACA Employer Penalty Delay – July 3, 2013

Revised IRS Form 720 for Research Fee Now Available - June 18, 2013

"Bare Bones" Plans: Viable Health Reform Compliance Strategy? - June 3, 2013 

New Disclosure Obligation: Notifications to Employees regarding Insurance Exchanges - May 17, 2013  

"Minimum Value" of Employer-Sponsored Coverage: Disappointing Stance on Wellness - May 7, 2013

Summary of Benefits and Coverage Update - April 26, 2013

Annual Limit on Cost Sharing: New Guidance for Out-of-Pocket Maximums - April 10, 2013

Health Care Reform and Controlled Groups: What we know as of Spring 2013 - March 26, 2013

Health Care Reform Update: 90 day Waiting Period Guidance - March 22, 2013

Affordability: What we Know as of Winter 2013 - February 8, 2013

Exchange Notice Distribution Date Delayed - January 30, 2013


The HCR Change will Increase Medicare Taxes in 2013 - December 27, 2012

The Essential Health Benefits - December 27, 2012

Health Reform and Wellness Programs - December 13, 2012

Transitional "Reinsurance Fees" Expose Employer Plans to New Costs - December 13, 2012 

Summary of Benefits and Coverage Requirements for Group Health Plans - October 22, 2012

Employer Relief: Determining Full-time Status & Applying the 90-Day Waiting Period Under PPACA - September 19, 2012

Self-funded Group Health Plans & Health Reform: Pros, Cons, and Considerations - August 17, 2012

Receiving a Rebate of Premiums from Group Health Insurance Carrier: Steps to Follow - August 8, 2012

Unraveling the Supreme Court’s PPACA Ruling – July 3, 2012 

Supreme Court Upholds PPACA – June 28, 2012

Exception for Certain Dental and Vision Benefits – June 7, 2012

New $2,500 Cap on Health FSAs: IRS Issues Some Relief – June 1, 2012

New Employer Fee to Fund Study of Medical Treatments – May 18, 2012

Bronze to Platinum: What Will It Mean? - May 14, 2012

DOL Audit Activities Now Include HCR: Are You Ready? - March 8, 2012

Automatic Enrollment: Delayed Beyond 2014 - February 10, 2012

End of Compliance Delay for Summary of Benefits and Coverage ("Mini-SPD") - February 10, 2012


HHS Releases Essential Health Benefits Bulletin - December 19, 2011

Church and Government Plans Addressing Carrier Rebates under PPACA - December 13, 2011

Maximizing Returns: Positioning for a Larger Rebate under PPACA

 Guidance on 'Mini Summaries" and 60-Day Advance Notice of Changes - Revised September 7, 2011  

New Court Rules Individual Mandate Unconstitutional - August 17, 2011

Women's Preventive Care Coverage Expanded Under Health Reform - August 9, 2011

Health Reform Insurance Exchanges: What Employers Need to Know - July 27, 2011 

IRS: New Guidance on Form W-2 Health Coverage Reporting - May 31, 2011

Vouchers Removed from Federal Health Reform Law - April 25, 2011

LTC & the Federal CLASS Act: Not Required or Advisable - March 9, 2011

Providing Employees Incentives to Waive Coverage: Risks Abound - February 22, 2011 


Sibyl Bogardus, HUB International Insurance Services

Sibyl is the Chief Compliance Officer for HUB International Employee Benefits, Western Region and a nationally recognized speaker on health care reform, medical plan design trends, state and federal laws, and human resources issues. She has presented at numerous national conferences. She is a widely published author on health care reform, employee benefits, tax, and labor law issues. She contributes articles to Health Reform Magazine and is a member of the IRS Advisory Council. Connect with Sibyl on LinkedIn.

  • Sibyl Bogardus was recently recognized as one of the Most Influential Women in Benefit Advising 
  • Watch The Impact of the Health Care Reform Legislation on Small Employers: Testimony to Small Business Committee of the House of Representatives with Sibyl Bogardus of HUB International
  • Watch Impact of Health Care Reform on Small Employers: Q&A with US House Small Business Committee

Dennis Fiszer, HUB International Northeast

Dennis is the Chief Compliance Officer for HUB International Employee Benefits, Eastern Region and is a nationally recognized speaker on health care reform. He provides compliance and consulting services regarding health plans and other employee benefits. Dennis’ areas of expertise include COBRA, Health Insurance Portability and Accountability Act of 1996 (HIPAA), wellness programs, federal and state health care reform, employment and labor issues, ERISA, and the Family and Medical Leave Act. Connect with Dennis on LinkedIn.

If you have a question about how Healthcare Reform impacts you, HUB International can guidance. E-mail your question using the online form below and a HUB compliance expert or benefits advisor will reply to you within 48 hours.

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