bake - January 2014 - 14
labor front
Health Care 2014
The Affordable Care Act puts in place comprehensive health
insurance reforms that will roll out over four years and beyond.
The following represents what's coming in this year, 2014.
New Consumer Protections
* Prohibiting discrimination due to pre-existing conditions or
gender - The law implements strong reforms that prohibit
* Establishing the health insurance marketplace - Starting in
insurance companies from refusing to sell coverage or renew
2014 if your employer doesn't offer insurance, you will be
policies because of an individual's pre-existing conditions.
able to buy it directly in the Health Insurance Marketplace.
Also, in the individual and small group market, the law elimi-
Individuals and small businesses can buy affordable and
nates the ability of insurance companies to charge higher
qualified health benefit plans in this new transparent and
rates due to gender or health status. Effective January 1, 2014.
competitive insurance marketplace. The Marketplace will
offer you a choice of health plans that meet certain benefits
* Eliminating annual limits on insurance coverage - The law
and cost standards. Starting in 2014, Members of Congress
prohibits new plans and existing group plans from imposing
will be getting their health care insurance through the
annual dollar limits on the amount of coverage an individual
Marketplace, and you will be able buy your insurance
may receive. Effective January 1, 2014.
through the Marketplace too.
* Ensuring coverage for individuals participating in clinical
* Increasing the Small Business Tax Credit - The law implements
trials - Insurers will be prohibited from dropping or limiting
the second phase of the small business tax credit for qualified
coverage because an individual chooses to participate in a
small businesses and small non-profit organizations. In this
clinical trial. This applies to all clinical trials that treat cancer
phase, the credit is up to 50% of the employer's contribution
or other life-threatening diseases. Effective January 1, 2014.
to provide health insurance for employees. There is also up
to a 35% credit for small non-profit organizations. Effective
Insurance companies will not
be able to charge higher rates
due to gender or health status.
January 1, 2014.
Increasing access to affordable care
* Increasing access to Medicaid - Americans who earn less
than 133% of the poverty level (approximately $14,000 for an
individual and $29,000 for a family of four) will be eligible to
Improving quality and lowering costs
enroll in Medicaid. States will receive 100% federal funding
* Making Care More Affordable - Tax credits to make it easier
for the first three years to support this expanded coverage,
for the middle class to afford insurance will become avail-
phasing to 90% federal funding in subsequent years. Effective
able for people with income between 100% and 400% of
January 1, 2014.
the poverty line who are not eligible for other affordable
coverage. (In 2010, 400% of the poverty line comes out to
* Promoting individual responsibility - Under the law, most
about $43,000 for an individual or $88,000 for a family of
individuals who can afford it will be required to obtain basic
four.) The tax credit is advanceable, so it can lower your
health insurance coverage or pay a fee to help offset the costs
premium payments each month, rather than making you wait
of caring for uninsured Americans. If affordable coverage is
for tax time. It's also refundable, so moderate-income families
not available to an individual, he or she will be eligible for an
can receive the full benefit of the credit. These individuals
exemption. Effective January 1, 2014.
may also qualify for reduced cost-sharing (copayments,
co-insurance, and deductibles). Effective January 1, 2014.
14 < JAN 2014 | bakemag.com
SOURCE: WWW.HHS.GOV
http://www.hhs.gov
http://www.bakemag.com
bake - January 2014
Table of Contents for the Digital Edition of bake - January 2014
bake - January 2014
Editor's Note - Taking Off with Trends
Table of Contents
News Bites - RBA Roadshow to Cincinnati
Bakery Industry Loses Pioneer
Corbion Offers Hydrated Ancient Grains
Lawrence Earns Sustainability Award
My Favorite Things
Management - When to Hire a Consultant
Labor Front - Health Care 2014
Legislation - The Trans Fat Dilemma
Ingredients - Valentine's Chocolates
Chocolate Tempering
Vanilla Takes Off
Finding Growth
The Biscuit Boom
Biscuit Shops Around the Country
A Fresh Approach to Online Sales
Maintaining Safety
New FDA Defense Rule
Investing in Innovation
The Ancients
Start the Party Early
Macaron Magic
Cake Stars
Cafe - Top Trends for 2014
Products
Product Showcase
Classifieds
Ad Index
bake - January 2014 - BB1
bake - January 2014 - BB2
bake - January 2014 - bake - January 2014
bake - January 2014 - 2
bake - January 2014 - Editor's Note - Taking Off with Trends
bake - January 2014 - 4
bake - January 2014 - 5
bake - January 2014 - 6
bake - January 2014 - Table of Contents
bake - January 2014 - Lawrence Earns Sustainability Award
bake - January 2014 - 9
bake - January 2014 - My Favorite Things
bake - January 2014 - 11
bake - January 2014 - Management - When to Hire a Consultant
bake - January 2014 - 13
bake - January 2014 - Labor Front - Health Care 2014
bake - January 2014 - 15
bake - January 2014 - Legislation - The Trans Fat Dilemma
bake - January 2014 - 17
bake - January 2014 - Ingredients - Valentine's Chocolates
bake - January 2014 - Chocolate Tempering
bake - January 2014 - Vanilla Takes Off
bake - January 2014 - 21
bake - January 2014 - 22
bake - January 2014 - 23
bake - January 2014 - 24
bake - January 2014 - 25
bake - January 2014 - 26
bake - January 2014 - 27
bake - January 2014 - 28
bake - January 2014 - 29
bake - January 2014 - 30
bake - January 2014 - 31
bake - January 2014 - Finding Growth
bake - January 2014 - 33
bake - January 2014 - 34
bake - January 2014 - 35
bake - January 2014 - The Biscuit Boom
bake - January 2014 - 37
bake - January 2014 - Biscuit Shops Around the Country
bake - January 2014 - 39
bake - January 2014 - A Fresh Approach to Online Sales
bake - January 2014 - 41
bake - January 2014 - 42
bake - January 2014 - 43
bake - January 2014 - 44
bake - January 2014 - 45
bake - January 2014 - Maintaining Safety
bake - January 2014 - 47
bake - January 2014 - New FDA Defense Rule
bake - January 2014 - 49
bake - January 2014 - Investing in Innovation
bake - January 2014 - 51
bake - January 2014 - 52
bake - January 2014 - 53
bake - January 2014 - The Ancients
bake - January 2014 - 55
bake - January 2014 - Start the Party Early
bake - January 2014 - 57
bake - January 2014 - 58
bake - January 2014 - 59
bake - January 2014 - Macaron Magic
bake - January 2014 - 61
bake - January 2014 - 62
bake - January 2014 - 63
bake - January 2014 - Cake Stars
bake - January 2014 - 65
bake - January 2014 - 66
bake - January 2014 - 67
bake - January 2014 - Cafe - Top Trends for 2014
bake - January 2014 - 69
bake - January 2014 - 70
bake - January 2014 - 71
bake - January 2014 - Products
bake - January 2014 - Product Showcase
bake - January 2014 - Classifieds
bake - January 2014 - Ad Index
bake - January 2014 - 76
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