{"id":16575,"date":"2015-04-08T19:54:48","date_gmt":"2015-04-08T23:54:48","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates.html"},"modified":"2015-04-08T19:54:48","modified_gmt":"2015-04-08T23:54:48","slug":"business-report-employer-health-care-mandates","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/","title":{"rendered":"Business Report: Employer Health Care Mandates"},"content":{"rendered":"\n
\n
\"bond\n<\/div>\n
Amelia F. Klein, a member in the Albany office of Bond, Schoeneck & King PLLC.\n<\/div>\n<\/div>\n

BY AMELIA F. KLEIN<\/p>\n

It may not be true that the Patient Protection
\nand Affordable Care Act (ACA) was
\ncreated by Senate Majority Leader Harry
\nReid over a three-day weekend by cutting and
\npasting pieces from the various bills circulating
\nin Congress that had sufficient support.<\/p>\n

However, as someone who advises clients
\nevery day about how to comply with the ACA,
\nI believe this legend. The law is long – 906
\npages – and many of its provisions just don’t
\nhang together in a coherent way. As evidence
\nof this, the ACA was amended only one week
\nafter it was signed into law, by the Health Care
\nand Education Reconciliation Act of 2012.<\/p>\n

Still, it took 1\u00c2\u00bd years to discover the flaw that
\nforms the basis of the Supreme Court case in
\nKing v. Burwell:<\/p>\n

Internal Revenue Code section 36B, added
\nby the ACA, authorizes federal tax-credit
\nsubsidies for health insurance coverage that is
\npurchased through an “Exchange established
\nby the State.”<\/p>\n

Section 1321 of the ACA requires the federal
\ngovernment to operate an Exchange for any
\n“state [that] is not electing to operate an Exchange
\nor that… will not have the Exchange
\noperational by Jan. 1, 2014.”<\/p>\n

The problem? Only 16 states have established
\ntheir own Exchanges (now referred to
\nas “marketplaces”). The question in King v.
\nBurwell? “[W]hether the Internal Revenue
\nService (“IRS”) may … extend tax-credit
\nsubsidies to coverage purchased through
\nExchanges established by the federal government.”<\/p>\n

In other words, should the federal subsidies
\nbe available when coverage is purchased in
\none of the 34 states that where the health
\ninsurance marketplaces are run by the Federal
\ngovernment? The challengers to the law
\nsay “no”.<\/p>\n

The availability of subsidies for people who
\npurchase health coverage in a marketplace is
\na linchpin that holds many pieces of the ACA
\ntogether. For one thing, the assessment of the
\n“employer shared responsibility payments”
\nonly occurs when an employee goes to the
\nmarketplace, buys coverage, and is eligible
\nfor a federal subsidy.<\/p>\n

No subsidy means no IRS invoice for the assessment.
\nThese assessments support the bulk
\nof the costs of the ACA; according to the Brief
\nfor the Petitioner\/challenger (King), “billions
\nof dollars [are] spent each month.” What will
\nhappen to employer coverage if the linchpin
\nof federal subsidies is removed?<\/p>\n

In New York, nothing will change; at least
\nnot right away. New York, and its neighbors,
\nVermont, Massachusetts and Connecticut,
\nhave established State marketplaces, so subsidies
\nwill continue to be available to eligible
\nindividuals that purchase coverage there.<\/p>\n

Employers will be assessed penalties if
\neligible employees are not offered coverage,
\nor whose coverage is unaffordable by ACA
\nstandards or doesn’t provide a minimum
\nvalue, if those employees receive the federal
\nsubsidy. (Annual assessments equal $2,000 per
\nemployee, excluding the first 30 employees, for
\nfailure to offer coverage. For employers that
\noffer unaffordable or inadequate coverage,
\nthe assessment is $3,000 per employee that
\nbecomes eligible for a tax credit).<\/p>\n

In those states that have federally-run
\nhealth insurance marketplaces, the effect
\non health insurance costs will be immediate.<\/p>\n

Without the federal subsidy, coverage
\npurchased in the marketplaces will become
\nunaffordable. Healthy individuals will drop
\ncoverage, leaving insurers with only unhealthy
\nsubscribers.<\/p>\n

The costs to the insurers will go up, and premium
\ncosts will increase – causing the “death
\nspiral” described by Supreme Court Justice
\nSotomayor. The loss of the employer penalties
\nin those 36 states will have a devastating
\neffect on the revenues generated by the ACA
\n– revenues that have supported such things
\nas the Child Health Insurance Program and
\nMedicaid expansion (adopted by 29 states),
\ntax credits for small employers purchasing
\nhealth coverage, changes in Medicare provider
\nrates, the Medicare beneficiary drug rebate,
\nand the reinsurance plan for retiree coverage.<\/p>\n

Without the employer shared responsibility
\npenalties, employers may offer coverage to
\nfewer employees, or increase the premium cost
\nsharing to employees. However, the changes
\nto the structure of employer-sponsored health
\ncoverage will not change markedly. Employer
\nhealth plans will still have to:<\/p>\n

Provide young adult coverage to age 26;
\noffer preventive care without employee cost
\nsharing; cover pre-existing conditions; not
\nimpose annual or lifetime cost limits; limit
\ncoverage waiting periods to 90 days; provide
\nan expanded appeals process; and limit the
\nability to rescind coverage.<\/p>\n

The penalty for failing these requirements
\nis $100 per day per person affected. Is there
\nany desire, by Congress or employers, to repeal
\nthese popular provisions?<\/p>\n

The Obama administration said they have
\nno “plan B” if the Supreme Court rules in favor
\nof the challengers. During oral argument, Justice
\nScalia asked the government’s lawyer if
\nthe Court were to rule for the challengers, did
\nthe government actually expected Congress
\nto “just sit there while disaster ensues?” The
\nlawyer’s response: “This Congress?”<\/p>\n

The Supreme Court’s decision is expected
\nin late June.<\/p>\n

Klein is a Member in the Albany office of
\nBond, Schoeneck & King, PLLC, where she
\nadvises employers in all types of benefit
\ncompliance issues.<\/p>\n

Photo Courtesy Bond, Schoeneck & King PLLC<\/p>\n","protected":false},"excerpt":{"rendered":"

Amelia F. Klein, a member in the Albany office of Bond, Schoeneck & King PLLC. BY AMELIA F. KLEIN It may not be true that the Patient Protection and Affordable Care Act (ACA) was created by Senate Majority Leader…<\/p>\n","protected":false},"author":121,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[58,82,87],"class_list":["post-16575","post","type-post","status-publish","format-standard","hentry","category-business-reports","tag-business-reports","tag-healthcare","tag-insurance"],"yoast_head":"\r\nBusiness Report: Employer Health Care Mandates - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Business Report: Employer Health Care Mandates - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"Amelia F. Klein, a member in the Albany office of Bond, Schoeneck & King PLLC. BY AMELIA F. KLEIN It may not be true that the Patient Protection and Affordable Care Act (ACA) was created by Senate Majority Leader...\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Saratoga Business Journal\" \/>\r\n<meta property=\"article:published_time\" content=\"2015-04-08T23:54:48+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/04\/bond20column20-20amelia20f.20klein20c.jpg\" \/>\r\n<meta name=\"author\" content=\"Saratoga Business Journal\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Saratoga Business Journal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/\"},\"author\":{\"name\":\"Saratoga Business Journal\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#\\\/schema\\\/person\\\/ddf5fd6df8c43505ff3a5fb93e64871d\"},\"headline\":\"Business Report: Employer Health Care Mandates\",\"datePublished\":\"2015-04-08T23:54:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/\"},\"wordCount\":838,\"image\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2015\\\/04\\\/bond20column20-20amelia20f.20klein20c.jpg\",\"keywords\":[\"Business Reports\",\"Healthcare\",\"Insurance\"],\"articleSection\":[\"Business Reports\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/\",\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/\",\"name\":\"Business Report: Employer Health Care Mandates - Saratoga Business Journal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2015\\\/04\\\/bond20column20-20amelia20f.20klein20c.jpg\",\"datePublished\":\"2015-04-08T23:54:48+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#\\\/schema\\\/person\\\/ddf5fd6df8c43505ff3a5fb93e64871d\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2015\\\/04\\\/bond20column20-20amelia20f.20klein20c.jpg\",\"contentUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2015\\\/04\\\/bond20column20-20amelia20f.20klein20c.jpg\",\"width\":742,\"height\":1110},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2015\\\/04\\\/business-report-employer-health-care-mandates\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Business Report: Employer Health Care Mandates\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#website\",\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/\",\"name\":\"Saratoga Business Journal\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#\\\/schema\\\/person\\\/ddf5fd6df8c43505ff3a5fb93e64871d\",\"name\":\"Saratoga Business Journal\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1ba402a238e359969bec40757b031230a02e1b4065fbc669f6b28ebacf90f75f?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1ba402a238e359969bec40757b031230a02e1b4065fbc669f6b28ebacf90f75f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1ba402a238e359969bec40757b031230a02e1b4065fbc669f6b28ebacf90f75f?s=96&d=mm&r=g\",\"caption\":\"Saratoga Business Journal\"},\"sameAs\":[\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/\"],\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/author\\\/saratogabusinessjournal\\\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Business Report: Employer Health Care Mandates - Saratoga Business Journal","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/","og_locale":"en_US","og_type":"article","og_title":"Business Report: Employer Health Care Mandates - Saratoga Business Journal","og_description":"Amelia F. Klein, a member in the Albany office of Bond, Schoeneck & King PLLC. BY AMELIA F. KLEIN It may not be true that the Patient Protection and Affordable Care Act (ACA) was created by Senate Majority Leader...","og_url":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/","og_site_name":"Saratoga Business Journal","article_published_time":"2015-04-08T23:54:48+00:00","og_image":[{"url":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/04\/bond20column20-20amelia20f.20klein20c.jpg","type":"","width":"","height":""}],"author":"Saratoga Business Journal","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Saratoga Business Journal","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#article","isPartOf":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/"},"author":{"name":"Saratoga Business Journal","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/#\/schema\/person\/ddf5fd6df8c43505ff3a5fb93e64871d"},"headline":"Business Report: Employer Health Care Mandates","datePublished":"2015-04-08T23:54:48+00:00","mainEntityOfPage":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/"},"wordCount":838,"image":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#primaryimage"},"thumbnailUrl":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/04\/bond20column20-20amelia20f.20klein20c.jpg","keywords":["Business Reports","Healthcare","Insurance"],"articleSection":["Business Reports"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/","url":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/","name":"Business Report: Employer Health Care Mandates - Saratoga Business Journal","isPartOf":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#primaryimage"},"image":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#primaryimage"},"thumbnailUrl":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/04\/bond20column20-20amelia20f.20klein20c.jpg","datePublished":"2015-04-08T23:54:48+00:00","author":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/#\/schema\/person\/ddf5fd6df8c43505ff3a5fb93e64871d"},"breadcrumb":{"@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#primaryimage","url":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/04\/bond20column20-20amelia20f.20klein20c.jpg","contentUrl":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2015\/04\/bond20column20-20amelia20f.20klein20c.jpg","width":742,"height":1110},{"@type":"BreadcrumbList","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2015\/04\/business-report-employer-health-care-mandates\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/"},{"@type":"ListItem","position":2,"name":"Business Report: Employer Health Care Mandates"}]},{"@type":"WebSite","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/#website","url":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/","name":"Saratoga Business Journal","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/#\/schema\/person\/ddf5fd6df8c43505ff3a5fb93e64871d","name":"Saratoga Business Journal","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/1ba402a238e359969bec40757b031230a02e1b4065fbc669f6b28ebacf90f75f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1ba402a238e359969bec40757b031230a02e1b4065fbc669f6b28ebacf90f75f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1ba402a238e359969bec40757b031230a02e1b4065fbc669f6b28ebacf90f75f?s=96&d=mm&r=g","caption":"Saratoga Business Journal"},"sameAs":["https:\/\/www.saratoga.com\/saratogabusinessjournal\/"],"url":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/author\/saratogabusinessjournal\/"}]}},"_links":{"self":[{"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/posts\/16575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/users\/121"}],"replies":[{"embeddable":true,"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/comments?post=16575"}],"version-history":[{"count":0,"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/posts\/16575\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/media?parent=16575"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/categories?post=16575"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-json\/wp\/v2\/tags?post=16575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}