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  • NASE Enthusiastically Supports HRA Legislation
    Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Employed In depth articles about marketing finance management customer service and more View all NASE news NASE Enthusiastically Supports HRA Legislation Monday December 15 2014 The National Association for the Self Employed NASE is pleased to provide enthusiastic support for H R 5860 Small Business Healthcare Relief Act of 2014 which would allow for standalone health reimbursement arrangements HRAs for small employers with 49 employees or less The bill was introduced by Representatives Boustany R LA and Thompson D CA For over a decade HRAs have been a key tool for small employers to provide their employees with minimal financial assistance for qualified health care expenses With the implementation of the Affordable Care Act ACA and the 2013 decision by the Departments of Treasury Health and Human Services and Labor to tie key lifetime or annual limits and coverage of preventive health services to small employers offering an HRA was a gross infringement on the small business community The change resulted in a particularly negative impact on small employers with 49 or less employees that are under no legal obligation to provide a qualified healthcare plan for their employees under the employer mandate of the ACA The self employed and micro businesses 10 or less employees that the NASE and the above organizations represent view the decision by the Departments of Treasury Health and Human Services and Labor as limiting them in trying to do the right thing by providing financial assistance to their employees for health care costs Read the NASE s letter of support Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2014/12/15/nase-enthusiastically-supports-hra-legislation (2016-02-14)
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  • Women Small Business Owners - 86% Definitely Voting in November 4th Elections
    Tuesday October 28 2014 WASHINGTON DC With a week to go before this year s 2014 midterm elections a new flash survey by the National Association for the Self Employed NASE the nation s leading advocate and resource for the self employed and micro business community shows women entrepreneurs engaged and looking for candidates who support the small business community The NASE survey of the opportunities and challenges faced by women entrepreneurs was conducted online from October 15th 24th and is comprised of over 150 women who own small and micro businesses from across the country The survey found that only 3 of the women surveyed indicated they would not be voting in this upcoming midterm election Furthermore over 83 of those surveyed cite it is either very important or somewhat important that candidates running for office and or elected officials have a stated pro business agenda Additional highlights of the NASE women entrepreneurs survey released today includes Over 80 of the respondents said it was either very important or somewhat important for Congress to address individual tax reform in 2015 Over 80 of respondents used personal funds to start their business with less than 10 securing a traditional small business loan Nearly 80 provide some level of health care coverage to their employees or themselves Their 1 concern is finding ways to market and grow their business 58 followed by the cost of health care 38 NASE s Vice President of Government Relations Katie Vlietstra recently penned in Huffington Post that Congress should immediately address health care women s entrepreneurship and tax reform for the small business community Self employed women and women owned small businesses continue to be a growing force in our country s economy A recent U S Senate Committee report indicated that women owned business

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2014/10/28/women-small-business-owners---86-definitely-voting-in-november-4th-elections (2016-02-14)
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  • NASE Leads Association Letter Expressing Disappointment on D.C. Council Action
    View all NASE news NASE Leads Association Letter Expressing Disappointment on D C Council Action Monday June 02 2014 On Tuesday June 3 2014 the NASE along with American Independent Business Coalition Council for Affordable Health Coverage and Southern Consumers Alliance sent a letter to the District of Columbia City Council expressing disappointment council s unanimous support PR20 0744 Health Benefit Exchange Authority Financial Sustainability Emergency Declaration Resolution of 2014 on Tuesday May 6 2014 In their action the council approved a 1 tax on all health insurance carriers with gross receipts of 50 000 or more within the District of Columbia not just those insurers operating within the D C Health Benefit Exchange In the letter the three groups state It is not unreasonable to assume this 1 tax on health insurance carriers will be immediately tacked on to the premium costs paid by the policyholder Given the estimated fluid nature of the health insurance premium marketplace and continued concerns and efforts by the self employed and micro business community to contain costs this additional tax is unwelcome and counter productive to achieving the Authority s goals Full text of association letter to D C City Council The NASE looks forward to working with the council to find a better solution to the budget challenges faced by the D C Health Benefit Exchange 4 Comments 4 Sequoia 07 Jan Superb iniftmaroon here ol e chap keep burning the midnight oil 3 Johnette 12 Jan Please teach the rest of these internet hooilgans how to write and research http omozxoch com url http wgptayz com wgptayz url link http wrtndwbfxd com wrtndwbfxd link 2 Raynes 27 Jan That s an ingeoinus way of thinking about it 1 Anas 10 Feb That in htigss just what I ve been looking for

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2014/06/02/nase-leads-association-letter-expressing-disappointment-on-d.c.-council-action (2016-02-14)
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  • NASE Continues to Push for Comprehensive Tax Reform (NASE)
    Equipment Buy vs Lease Investment Annual Rate of Return Calculator Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Employed In depth articles about marketing finance management customer service and more View all NASE news NASE Continues to Push for Comprehensive Tax Reform NASE Wednesday April 09 2014 On April 9 2014 the NASE submitted a statement to the House Small Business committee regarding their hearing on The Biggest Tax Problems for Small Businesses In the statement the NASE reiterated its call for comprehensive tax reform in order to address the inequity faced by the self employed and micro business At present there are roughly 27 million small businesses nationwide ranging from 1 to 499 employees and of those 23 million are identified as self employed accounting for more than 78 percent of the entire small business community These self employed businesses generate roughly 950 million dollars annually in sales 2010 Non Employer Statistics U S Census Bureau The majority of the self employed roughly 56 percent have their business organized as a sole proprietorship Thus any significant tax reform in the corporate area will have little if any impact on the self employed Full text of the NASE letter Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2014/04/09/nase-continues-to-push-for-comprehensive-tax-reform-%28nase%29 (2016-02-14)
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  • NASE Comments on Technical Guidance Issued on Health Reimbursement Arrangements (HRAs)
    View all NASE news NASE Comments on Technical Guidance Issued on Health Reimbursement Arrangements HRAs Wednesday March 12 2014 Background Established in 2002 Health Reimbursement Arrangements HRAs or Health Reimbursement Accounts are employer funded tax advantaged employer health benefit plans that reimburse employees for out of pocket medical expenses and individual health insurance premiums Health Reimbursement Accounts are funded solely by the employer and cannot be funded through employee salary deductions The employer sets the parameters for the Health Reimbursement Accounts and any unused funds remain with the employer There are only two requirements to establish an HRA plan 1 the plan must be in writing 2 The plan must be non discriminatory i e each employee receives the same reimbursable rate The Impact of the Affordable Care Act ACA on HRAs On September 13 2013 the Departments of Treasury Health and Human Services and Labor released Technical Release No 2013 03 Application of Market Reform and other Provisions of the Affordable Care Act to HRAs Health FSAs and Certain other Employer Healthcare Arrangements The guidance stipulates that an employer that offers an HRA to two or more employees but does not offer a group health care plan is not compliant with annual limit regulations and the business would be subject to penalty However a single employee business can still offer an HRA plan and would not run afoul of compliance issues under the ACA The NASE does not believe that an HRA should be viewed under any circumstance as a qualified group plan and we do not disagree with the following assessment within the technical guidance HRA 105 Plans by definition will not meet the requirements of an ACA compliant health insurance plan NASE s Call to Action The National Association for the Self Employed NASE believes the technical guidance misinterprets the intent of the ACA as it relates to these types of tools used to provide financial support to employers with less than 50 employees HRAs should be viewed as a tool used by businesses with less than 50 employees to provide some monetary relief for out of pocketed medical expenses incurred by the employee including co pays prescription drug costs and health care deductibles The unintended consequence is that many groups have recommended self employed and small business owners discontinue utilizing such plans until further notice This reduces affordability and therefore access to quality health coverage which was the initial cornerstone of the ACA The NASE calls on Congress to clarify through legislative action the applicability of HRAs by employers with 50 or less employees as a means of providing financial relief to their employees as it relates to out of pocket health care expenses Download NASE Fact Sheet on Technical Guidance on Health Reimbursement Arrangements HRAs 3 Comments 3 Greta 11 Jan I supspoe that sounds and smells just about right 2 Kayleen 03 Feb Too many coimnpmelts too little space thanks 1 Lizzete 10 Feb It s always a relief when someone with obvious exesrtipe

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2014/03/12/nase-comments-on-technical-guidance-issued-on-health-reimbursement-arrangements-%28hras%29 (2016-02-14)
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  • NASE Member Charlie Arnold Testifies on ACA Impact on the Self-Employed
    his testimony Arnold offered the perspective of our nation s smallest businesses the self employed and micro businesses His testimony centered around the ongoing confusion small business owners across the country continue to have in regards to healthcare enrollment as well as the difficulties in interpreting new rules issued governing Health Savings Accounts HRAs and the disparity between big business and the small business community He testified The impact of the ACA on my business appears to be limited I currently have only two full time employees and several seasonal employees defined as leased employees Yet I have found myself in a continued state of confusion to the status of my current health care coverage As well as the additional confusion caused by the restrictive actions taken by both the Departments of Treasury and Health and Human Services toward the rules governing Health Savings Accounts HRAs and the continuing disparity faced by the self employed versus big business namely the two reprieves given by the Obama Administration to larger businesses in the last year that grants them freedom from complying with the new law However the self employed are left having the March 31 2014 enrollment deadline looming over our heads while we are forced to confront the potential for possible penalties for not enrolling in Obamacare I would be remiss if I did not echo the calls by the NASE for parity between the big business community and America s smallest businesses The self employed and micro business community representing nearly 76 percent of the entire small business community continues to struggle in meeting the ACA s compliance requirements while our corporate counterparts continue to get a pass from the Administration Specifically the NASE is calling for a one year delay in the individual mandate penalty for one calendar

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2014/03/06/nase-member-charlie-arnold-testifies-on-aca-impact-on-the-self-employed (2016-02-14)
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  • NASE Calls for Full Year of Open Enrollment & Delay of Individual Penalty
    on their business and household income In our June 2012 survey Access to Health Coverage and Attitudes in Health Reform A Self Employed Perspective an overwhelming majority 84 9 of the respondents indicated that rising health coverage costs have been detrimental to their families and their business over the past three years Of all of these detrimental impacts faced by small business owners the most acute has been the bottom line impact on both their personal household and business financial budgets In fact 53 9 say the rising cost of health care coverage has had a significantly negative impact on their household income Additionally 37 5 of respondents suggest having to scale back or drop health care coverage all together Business specific impacts are also clearly realized 27 4 say their business is struggling to survive and more than one in ten say they have cancelled or put on hold plans to hire new employees and or expand their business due in part to their fears surrounding the rising cost of health care Leading up to the October 1 2013 launch of the Exchange Marketplace the NASE continued to express concern about the continued consumer confusion over costs and requirements under the individual responsibility aspects of the ACA In September 2013 we gathered concrete data from our members reinforcing our concern about the lack of understanding among a large number of small business owners regarding the impact of the ACA This analysis underscored that our members lacked the most vital piece of information in determining their participation in the Exchange Marketplace monthly premium costs In fact 93 3 of respondents indicated that monthly premium costs would be a determining factor in their decision to participate in the Exchange Marketplace This is key since 69 1 of respondents indicated that as self employed individuals they had not been able to purchase affordable comprehensive health care coverage previously Now four weeks into the launch of the Exchange Marketplace self employed individuals are being hamstrung by a broken computer system that still thwarts them from acquiring the most basic information monthly premium costs Today the National Association for the Self Employed is calling on Congress to act We strongly believe that a prudent and responsible approach to addressing the chronic software and access deficiencies of the Exchange Marketplace both at the State and Federal levels would be to Eliminate the open enrollment deadlines for the 2014 calendar year Delay the individual mandate penalty for one tax filing year The elimination of the open enrollment deadline would allow for self employed Americans to have the necessary time to become well informed in order to make the necessary decisions regarding their 2014 health care needs In addition the extended period will also provide the Department of Health and Human Services HHS adequate time to fully correct any software issues related to the Individual Marketplace and the soon to be launched Small Business Health Option Program SHOP While HHS has offered a minor reprieve in extending

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2013/10/30/nase-calls-for-full-year-of-open-enrollment-delay-of-individual-penalty (2016-02-14)
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  • NASE Comments on Status of ACA Implementation
    implementation held on Thursday August 1 2013 For the 22 million self employed Americans making up 78 of all small business in the United States we appreciate the opportunity to contribute our voice and perspective to the national conversation regarding the implementation of the Affordable Care Act The self employed represent the largest segment of the small business community and increasing out of pocket expenses on this sector will have an immediate and negative impact on their business and household income In our June 2012 Access to Health Coverage and Attitudes in Health Reform A Self Employed Perspective an overwhelming majority 84 9 of the respondents indicated that rising health coverage costs have been detrimental not only to themselves and their families but also to their business over the past three years Most acute has been the bottom line impact 53 9 say rising health coverage costs have cut their household income Significant responses are also seen for having to scale back drop health coverage 37 5 Business specific impacts are also clearly illustrated 27 4 say their business is struggling to survive and more than one in ten say they have cancelled put on hold plans to hire new employees and or expand their business For the past year the NASE has highlighted the importance of a successful design and implementation of the Exchange Marketplaces as an estimated nearly 6 2 million currently uninsured self employed individuals will shop and purchase their health insurance starting on October 1 2013 To date we have been frustrated with the Exchange Marketplaces design and implementation receiving little or incomplete information from both states and the federal government on key items including estimated health insurance premium costs for 2014 The NASE believes that the Exchange Marketplaces could create an effective pooling mechanism to improve access and affordability of coverage for the individuals and the self employed Exchanges could make shopping for health coverage easier for the self employed since they must ensure that information and pricing about health coverage options are in an easy to understand plain English format to allow for consumers to adequately compare and shop for coverage However if not designed properly with the right incentives could lead to minimal plan options and participation negatively impacting cost of coverage The NASE continues to express concerns about the lack of concrete information including premium costs available to the consumer regarding the Exchange Marketplace the ability for the self employed to budget accordingly and make informed decisions as to the best options for themselves their family and their business is falling short As a result the NASE supported efforts last week to delay the individual mandate requirement specifically a delay in the penalty aspect of the mandate requirement A one year delay of the mandate would permit for the Exchange Marketplace to launch accordingly to schedule but also allow the consumer ample opportunity to make an informed decision as to the best health care option Additionally the NASE believes that the Administration

    Original URL path: http://selfemployed.nase.org/about-us/nase-publications/self-employed/2013/08/02/nase-comments-on-status-of-aca-implementation (2016-02-14)
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