Howard Bye-Torre

Howard Bye-Torre

Howard Bye-Torre focuses his practice on assisting clients with employee benefit matters relating to cafeteria, health and other welfare plans. Howard advises clients on ERISA, federal health care reform (ACA), HIPAA, COBRA, HITECH, USERRA, Medicare Part D, Medicare Secondary Payer, wellness programs, same-sex marriage and domestic partner issues, mental health parity law, the Americans with Disabilities Act, nondiscrimination rules, federal tax issues, and other state and federal law benefit topics. In addition to his work with ERISA plans, he has extensive experience with governmental and church plans.

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Effects of State Individual Mandates on Employer Group Health Plans

Late last year, Congress passed the Tax Cuts and Jobs Act, which included a provision  effectively repealing the requirement for most Americans to have health insurance.  This “individual mandate” was originally imposed by the Affordable Care Act (“ACA”). Beginning in 2019, the tax penalty individuals face if they do not enroll in health coverage considered … Continue Reading
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