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Final Rule on Association Health Plans Released

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June 19, 2018, the Department of Labor (DOL), after considering over 900 comments on the proposed rule released a final new rule for association health plans (AHPs) and launched a webpage on AHPs. AHPs are group health plans that employer groups and associations offer to provide health coverage for their members’ employees. This new rule will provide additional ways for employers to get health coverage from AHPs.
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Categories: Benefits in General, Health Care in General | Tags: AHP , Health Plan , Association Health Plans , Executive Order

Workplace Benefit Surveys Released

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The Employee Benefit Research Institute (EBRI)/Greenwald & Associates Health and Voluntary Workplace Benefits Survey recently released “studies a wide array of topics related to employee benefits including employees’ knowledge of their benefits, confidence in making benefit decisions and satisfaction with their benefits package.”
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Categories: Benefits in General, Health Care Reform, Health Care in General | Tags: EBRI , National Health Interview Survey for 2017 , HSA , Consumer directed healthcare , employer sponsored health plan , health plan , voluntary benefits , workplace benefits , satisfaction survey

When Do Adult Children Lose Health Coverage?

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This is a multi-faceted answer depending upon the coverage type. Effect March 30, 2010, the Affordable Care Act (ACA) mandated that group health insurance plans provide coverage for employees’ children up to the age of 26.
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Categories: Benefits in General, Health Care Reform, Compliance, Health Care in General | Tags: Adult Child , Code Section 105(b) , COBRA , Permitted Election Change , Loss of Coverage , Age 26 , Parent's Health Plan
As a result of industry efforts, the IRS issued Notice 2018-12 on March 5, 2018 to provide transition relief until 2020. The relief is so individuals covered by high deductible health plans that paid for male sterilization and male contraceptive expenses below the deductible will still be temporarily eligible to make contributions to an HSA.
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Categories: Benefits in General, Compliance | Tags: HSA , Notice 2018-12 , Preventive Care , Male Sterilization , Health Savings Account , HDHP , high deductible health plan , Section 223

Proposed Rules for Short Term Health Insurance

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The Department of Health and Human Services (HHS) released a proposed rule on short-term, limited duration health insurance on February 20, 2018 as a result of that executive order.
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Categories: Health Care Reform, Compliance, Health Care in General | Tags: Short Term Health Insurance , Executive Order 13813 , HRA , Health plans , HHS , Proposed Rule Short Term Health Insurance
In response to an October 2017 Executive Order, the Department of Labor recently released proposed rules that would make it easier for small businesses and sole proprietors to band together to purchase and provide health insurance through association health plans.
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Categories: Health Care Reform | Tags: AHP , Association Health Plan , Department of Labor , DOL , Affordable Care Act , ACA , proposed rules , small employers
On October 12, 2017, President Donald J. Trump signed an executive order directing the Departments of Treasury, Labor and Health and Human Services to consider proposing regulations or revising guidance that would affect certain types of health insurance plans and health reimbursement arrangements.
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Categories: Health Care Reform, Health Care in General | Tags: Trump , President , Executive Order , HRA , AHP , health plan , insurance , ACA , White House , STLDI , Treasury , Labor , HHS , Health and Human Services
The recent Mull v. Motion Picture Industry Health Plan case (No. 15-56246 (9th Cir. August 1, 2017) illustrates the importance of complying with ERISA’s Plan Document and Summary Plan Description (SPD) requirements.
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Categories: Benefits in General, Compliance | Tags: ERISA , DOL , Wrap , Plan Document , SPD , Summary Plan Description , Mull v. Motion Picture Ind. Health Plan

HSAs in the Workplace

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As HSAs become more common in the workplace, it is useful to review research about HSAs to better understand their benefits, limitations and trends. Last week, the Employee Benefit Research Institute released two reports pertaining to HSA usage between 2011 and 2016.
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Categories: Benefits in General, Health Care Reform | Tags: Health savings account , HSA , high-deductible health plan , HDHP , EBRI , Employee Benefit Research Institute
The IRS recently released an information letter clarifying the definition of a high deductible health plan (HDHP) for purposes of HSA eligibility. In the letter, the IRS explained that to qualify as an HDHP, a medical insurance plan (i) must satisfy certain minimum annual deductible and maximum out-of-pocket expense requirements and (ii) cannot provide any benefits below the minimum annual deductible, other than preventive care benefits.
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Categories: Health Care Reform, Compliance, Health Care in General | Tags: HSA , HDHP , IRS , health savings account , high deductible health plan , Internal Revenue Service , information letter
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