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age on the federal marketplace, go to tma.tips/SHOPmarket. According to the Texas Department


of Insurance (TDI), premiums may in- crease at each renewal term because of rising health care costs. “However, Texas law caps small-employer rate increases due to health factors — the amount of employee claims — at 15 percent per year,” TDI states on its website. Under ACA, insurance companies


are allowed to weigh the age of your employees, their use of tobacco, and the geographic area of your practice when determining rates. According to TDI, practices with


fewer than 50 employees, full-time or part-time, don’t have to offer health insurance, but employers that do must offer it to all employees working 30 hours or more per week and their dependents. In general, insurance companies


require at least 75 percent of a small employer’s full-time employees to participate in the health plan, TDI states. The law counts each 120 hours worked by part-time employees in a month as one full-time equivalent employee. According to TDI, employers must


give new employees at least 31 days from their start date to enroll in a health plan. Insurance companies can’t impose coverage limits, exclu- sions, or waiting periods for employ- ees with preexisting conditions who had a gap in coverage. To read more about insurance for small businesses in Texas, visit tma .tips/TDIguide. n


Kara Nuzback is a reporter for Texas Medicine. You can reach her by phone at (800) 880-1300, ext. 1393, or (512) 370-1393; by fax at (512) 370- 1629; or by email at kara.nuzback@texmed.org.


Who says you can’t have it all?


When Dr. Randy Katz joined TeamHealth, he wanted to be part of a group with national resources, physician-focused management, a network of respected peers, long-term stability and a formalized leadership training program. He also wanted to protect cherished time for his family and hobbies. With TeamHealth, he got it all.


Visit TeamHealth.com to find the job that’s right for you. Featured Opportunities:


Del Sol Medical Center El Paso, Texas — Hospitalist


Hendrick Medical Center


Abilene, Texas — Hospitalist


Huntsville Memorial Hospital Huntsville, Texas


— Emergency Physician


Memorial Hermann The Woodlands Houston Metro Area, Texas — Emergency Physician


888.861.4093 physicianjobs@teamhealth.com Your career. Your way. Connect with Community


You and your community benefit when you support TMA’s Healthy Now and Healthy Future initiatives.


These award-winning programs connect medicine’s trusted leadership to thousands of Texans. A tax-deductible donation to TMA Foundation to honor or remember a family member, friend or colleague is a thoughtful way to make your gift!


It’s easy and safe to donate online. Start giving — and connecting — today at www.tmaf.org or call (800) 880-1300, ext. 1664.


March 2015 TEXAS MEDICINE 63


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