Latest ACA Updates

This page is updated on a regular basis with the latest Affordable Care Act amendments and new legislation.  These notices are pulled from sources such as the DOL, HHS, IRS, Healthcare.gov and Regulations.gov.  We will not post items that came from an article or post from somebody outside of the above mentioned organizations due to the possibility of misinterpretation by the author.

February 28, 2013 - Multiple Employer Welfare Arrangements (MEWAs) falls under new DOL regulations issued today.  A MEWA is an employee welfare plan or other arrangement through which multiple employers come together to create a Plan for the purpose of providing health care and other benefits to their workers.  In summary, the new regulation allows for close regulation to include immediate cease and desist orders which can be ordered by the Secratary of Labor when it is apparent that fraud is taking place.  For more information click here.

February 20, 2013 - Today the DOL released new FAQs in relation to deductible, cost sharing limits and preventive services. One of the highlight items in this release is the language that insurers may exceed the annual deductible limit if it cannot reasonably reach a given level of coverage (metal tier) without doing so.  For more information and the actual text click here.

January 24, 2013 - New guidance indicates that HRAs used to pay for individual health insurance policy premiums will not be allowed come 2014.  The DOL FAQ states that PHS Act Section 2711 generally prohibits an employer-sponsored HRA cannot be integrated with individual market coverage or with an employer plan that provides coverage through individual policies. Under ACA, employers that improperly offer arrangements that violate PHS Section 2711 or other group health plans risk exposing themselves to liability for significant unanticipated health benefit claims, as well as other penalties and costs.  such arrangements are prohibited as part of the ACA health care reforms.   

Additionally, the Notice of State Exchange mandate for employers was delayed until late summer or early fall. 

For more information click here. 

November 30, 2012 - Transitional Reinsurance Fee of $63 per enrollee, per year was clarified and will apply to all carriers and self-insured group health plans.  For more information click here.