health care reform

[CEB]

Just a couple of quick questions about a few of the reform laws that go into effect after 9/23/10.

1) Could an employer decide not to subsidies a portion of the employees health premiums if the employee is covering a dependent that is no longer a full time student or a dependent that is full time student but married? Or would the cost have to be the same for full time students and adult children not attending school? Would it be ok to have employee + family coverage premium where the employer subidizes X% of the premium and than charge a second premium (such as the full cost of the individuals premium) if the dependent is not a student or a married full-time student.

2) When does the medical loss ratio test go into effect? And does it impact medium to large employer self-insured plans? Or is this just for fully insured plans? I couldn't find that answer on google

[Chaz]

2) When does the medical loss ratio test go into effect? And does it impact medium to large employer self-insured plans? Or is this just for fully insured plans? I couldn't find that answer on google

Loss ratio rules do not apply to self-insured plans.

[CEB]

I heard the goverment actually released guidance that full time students and children not going to school (over 19) must pay the same premium rate.