United Benefit Advisors Insight and Analysis Blog

UBA Survey: Grandmothering Protects Many Small Employers from Rate Increases

Posted by: Mary Drueke-Collins, FSA    Nov 10, 2016 10:30:00 AM

One goal of the Affordable Care Act (ACA) was to develop uniformity in coverage to ensure that all medical coverage included certain services. However, two interim regulations were passed, essentially allowing individuals and employers to keep their plans that were not completely ACA-compliant. Those regulations were termed “grandfathering” and “grandmothering.” Grandfathering was available to all employers that wanted to keep the plans they had in place prior to the passage of the ACA. For a plan to maintain grandfathered status, there were significant restrictions to plan design modifications and changes to employee contributions. The reality was that very few employers were able to maintain grandfathered status. In the 2016 UBA Health Plan Survey, only 5.9 percent of plans were still grandfathered.

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Topics: ACA, PPACA, UBA Health Plan Survey, transition relief, Affordable Care Act, health insurance cost, Mary Drueke-Collins, grandmothering

Industry Trends Emerge in Mail Order Drug Benefits

Posted by: Mary Drueke-Collins, FSA    Jul 8, 2016 11:19:18 AM

Mail order has always been a convenient way for individuals to keep their maintenance drug prescriptions filled. Employers often wonder, are there other advantages to using mail order other than convenience? As an employer, should we be incentivizing mail order? The answers to some of these questions can be found in results from the latest UBA Health Plan Survey.

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Topics: UBA Health Plan Survey, prescription drug plans, prescription drug cost, mail order drug benefits, Mary Drueke-Collins