"Plans that offer only excepted benefits are not subject to most health care reform rules (including the prohibition on annual limits, prohibition on waiting periods over 90 days, minimum cost-sharing requirements, the requirement to distribute an SBC, etc.). Three changes were proposed: [1] The requirements to provide limited-scope dental and limited-scope vision benefits were modified so that a premium is no longer required for the benefits to be excepted.... [2] A new type of excepted benefit is permitted, called 'wraparound coverage', meant to wrap around non-grandfathered individual health coverage.... [3] Employee assistance programs were also specifically added as a type of excepted benefit."

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