United Benefit Advisors Insight and Analysis Blog

Wraparound Excepted Benefits to Launch with Two Pilot Programs

Posted by: Danielle Capilla    Apr 21, 2015 12:00:00 PM

Health plan sponsors would be permitted to offer wraparound coverage to employees purchasing individual health insurance in the private market, including the Marketplace, in limited circumstances, under a new Final Rule issued by the Department of Labor (DOL) and other federal agencies. The Final Rule, published March 18, 2015, sets forth two narrow pilot programs for the limited wraparound coverage. One pilot program allows wraparound benefits only for multi-state plans (MSPs) in the Health Insurance Marketplace. The second pilot program allows wraparound benefits for part-time workers who enroll in an individual policy or in Basic Health Plan (BHP) coverage for low-income individuals, which was established under the Patient Protection and Affordable Care Act (PPACA). The wraparound coverage would be an excepted benefit. Excepted benefits are generally exempt from certain requirements of federal laws, including ERISA, the IRS Code, and parts of PPACA.

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Topics: individual plans, excepted benefits, multi-state plans, part-time employee insurance, wraparound coverage, Health Insurance Marketplace

Can Employers Assist Employees with Premiums for Individual Plans?

Posted by: Carol Taylor    Nov 13, 2014 8:56:00 AM

On November 6, 2014, the collective Departments of Health and Human Services (HHS), Labor (DOL) and the Treasury released three Frequently Asked Questions (FAQs) directed at employer payment plans for the purchase of individual insurance. While the departments had previously released several other pieces of guidance about these arrangements, this latest round exclaimed an emphatic no!

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Topics: HHS, DOL, employers, employees, premiums, individual plans, Carol Taylor, FAQ