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M&L Special Needs Planning. LLC Educates Families With Special Needs On The Obamacare Reforms
Date:5/9/2013

Washington, DC (PRWEB) May 09, 2013

M&L Special Needs Planning, a company located in Washington, D.C., is offering a discussion of the various changes that will occur as a result of Obamacare in 2013 via their company blog. This discussion includes tax changes, program creation and enhancements, and changes to health insurance coverage, focusing particularly on how these changes will affect individuals with special needs.

The majority of the Obamacare changes in 2013 are tax related. To begin with, high wage earners (those who earn more than $200,000 a year or $250,000 for couples) will now face a 0.9% tax hike. There is a new medical device tax; artificial joints, bed pans, and defibrillators, as well as many other medical devices, are now subject to a 2.3% tax. Changes have also been made to the ways in which Americans calculate medical deductions. Previous to this year, Americans could claim a deduction if total medical expenses added up to more than 7.5% of their earnings; as of 2013, that amount has risen to 10%.

Of all the tax related changes that came into effect on January 1st, the one that is perhaps of the most interest to the special needs community is the $2500 per year Flexible Spending Account (FSA) cap. In this account, an employee can deposit pretax dollars that are intended to pay for qualified medical expenses not covered by health insurance. Previous to this cap, the amount of money that could be deposited by an employee to his or her FSA was up to the discretion of the employer. While critics say that this is detrimental to the special needs community, supporters say that the decision was based on the national average amount of the FSA and claim that increased insurance coverage will eliminate the need for a higher FSA cap amount.

In addition to these tax regulation changes, a number of new programs are b
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