Final regulations published by the U.S. Department of Labor (DOL) in June changed some important rules that have applied to association health plans (AHPs). The new rules are intended to make it easier for employers to establish and participate in AHPs, and to remove some of the Affordable Care Act (ACA) requirements that have been perceived as increasing the costs of employer-sponsored health coverage.
Specifically, although AHPs will continue to be subject to many ACA requirements, they will be bound by the rules that apply to large group health plans rather than the rules that apply to small group health plans.
This means that AHPs will not be required to offer the full slate of essential health benefits required by the ACA or coverage that meets the minimum value requirements, both of which are seen by many employers as cost-saving changes. In addition, the new rules expand the provisions relating to which types of associations will be allowed to establish AHPs, when an AHP may cross state lines, and the participation of working owners.
Join Christine Williams, founder of Health Plan Plain Talk, as she explains the new rules, potential issues, and what employers should consider before establishing or participating in an AHP.
This webinar will cover:
- How are AHPs expected to save money on employer-sponsored health coverage, and how much can they expect to save?
- What benefits must be offered by AHPs, and which ACA requirements will not apply to AHPs?
- What types of associations will be allowed to establish AHPs and what constitutes the necessary commonality of interest?
- Which employers and individuals will be allowed to participate in AHPs?
- What premium and eligibility nondiscrimination rules will apply to AHPs?
- What state laws will continue to apply to AHPs and will they interfere with the changes to federal law?
- What are the risks that employers should consider before establishing or participating in an AHP?
- Do existing AHPs have to make changes to meet the requirements of the new rules?
- When do the new rules take effect?
- And much more!
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