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MLR’s Potential Effect on HRAs and HSAs

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The Patient Protection and Affordable Care Act (PPACA) contains Medical Loss Ratio (MLR) provisions that require insurance companies to spend at least 80% of revenue on health care for small employers and 85% of revenue for large employers. If the insurance company fails to meet these new standards, the new provision will require the insurance companies to provide a rebate beginning in 2012.
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Categories: Health Care Reform | Tags: Medical Loss Ratio , HSA , HRA

HRA Annual Benefit Limit - No Waiver Required

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As the third party administrator of Health Reimbursement Arrangements (HRAs), we have closely followed the implementation of various provisions of the Patient Protection and Affordable Care Act (PPACA), better known as Health Care Reform, and how those provisions might impact the plans we offer.
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Categories: Health Care Reform | Tags: HRA , Annual Limits , Waiver
On August 19, 2011, the Center for Consumer Information & Insurance Oversight (CCIIO) released guidance regarding application of the existing annual limit waiver criteria – required by health care reform – to Health Reimbursement Arrangements (HRAs). The guidance exempts HRAs from having to apply individually for waivers from the restrictions on annual limits applicable to plan years beginning before January 1, 2014.
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Categories: | Tags: Health Care Reform , HRAs , Waiver , Annual Limits
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