© 2015 Roland P. Wauthier & Co., Inc.

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Please Note: The information herein is being provided strictly as a courtesy. When you link to any of the websites provided, you are leaving this site. We make no representations as to the completeness or accuracy of the information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technology, sites, information and programs made available through this site. By clicking on the links above you will leave our website and assume total responsibility and risk for your use of the sites to which you are linking.

Disclosure

 

All information herein has been prepared solely for informational purposes, and it is not an offer to buy or sell, or a solicitation of an offer to buy of sell any security or instrument or to participate in any trading strategy.

 

Securities offered though SECURITIES AMERICA, INC, Member FINRA/SIPC. Roland P. Wauthier & Co., Inc. and Securities America, Inc. are separate and unrelated entities.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

​Roland P. Wauthier & Co., Inc.

3333 Main Street

Suite 205

Stratford, CT 06614

United States

ph: 203-380-9100

fx: 203-380-8525

email: roland.wauthier@securitiesamerica.com

The Affordable Care Act

Many questions continue to be asked about how the Affordable Care Act (ACA) is affecting individuals, families and employers across the US. Here in Connecticut, we know one of the implementations of the law as Access Health CT; while others have had to lose the coverage they once had, only to replace it with ACA-compliant plans, both at the Individual and Group insurance level.

 

Affordability and the level of coverage are the two biggest issues we at Roland P. Wauthier & Co., Inc have faced when listening to your concerns. We are here to help you traverse and transition over to a plan that will best suit your needs and your pocket. Some key questions could readily be answered through HealthCare.gov's website which can be accessed at https://www.healthcare.gov. On that website, you can find answers to many common questions such as:

  
ACA Timeline

 

2015

- 40% excise tax to be imposed on high-cost "Cadillac" plans.

 

2014

- Free choice voucher to be provided to qualifying employees by employers.

- 90-day limit onwaiting periods to take effect when joining a group health plan.

- Small group to be redefined as 1-100.No more annual dollar limits on essential health benefits.

- Guaranteed issue on individual policies.

- Cap of 30% on incentives for wellness programs.

- Routine patient costs for clinical trials of life-threarening diseases to be covered (not required for grandfathered plans).

 

2013

- Employee notification of access to Exchanges.

- Employers to report value of employer- sponsored health benefits on W2s.

- FSA contributions limited to $2,500.High earner tax begins.

- Annual fee on medical device sales begins.

- Deduction for expenses allocable to the Part D subsidy for “qualified prescription drug plans” eliminated.

- Comparative effectiveness fee increases to $2 per member/year.

- ICD-10 code adoption.