Posts Categorized: Health Benefits

Stopgap Funding Bill Contains Surprises

in Affordable Care Act, Health Benefits

The stopgap funding bill passed by Congress and signed by President Trump yesterday keeps the government open for another three weeks.  It also funds the Children’s Health Insurance Program (“CHIP”) for the next six years. At the same time, the bill also contains three key Affordable Care Act revisions, as follows – The “Cadillac Tax” is delayed another two years, and is now effective in 2022 (rather than 2020 as under prior law). The medical device tax, which was effective as of January 1, 2018, is now delayed until January 1, 2020. The health insurer fee is delayed through the… Continue Reading

Association Health Plans Will Profoundly Affect the Health Plan Marketplace

in Affordable Care Act, Health Benefits

A newly issued proposed rule significantly relaxes the Department of Labor requirements that currently limit the availability of association health plans (AHPs) and if finalized in its currently form will profoundly affect the health plan marketplace.  An AHP is a type of a multiple employer welfare arrangement (MEWA) which, with the proposed changes, would allow unrelated employers and certain self-employed individuals who are “working owners” to band together to purchase health coverage.  As a MEWA, the applicability of state laws depends on whether the MEWA is self-insured or fully insured, and on the laws of the particular state.  Also, as… Continue Reading