HHS Rules Don’t Preempt Association Plan Community Rate Exemption

On September 6, the Federal Register published amendments by the U.S. Department of Health and Human Services (HHS) to its May 2011 regulations that require disclosure and state review of “unreasonable premium increases” by health insurers. The amendments expand the definitions of the individual and small group health plan markets to explicitly include plans purchased…

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HHS Preempts State regulation of Association Plan Rates

“Coverage that would be regulated as small group market coverage … if it were not sold through an association is subject to rate review as small group market coverage.” With that single sentence, the U.S. Department of Health and Human Services amended its recently adopted health plan rate regulations and preempted Washington State statutes and…

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HHS Seeking Comment on Regulation of Association Health Plan Rates

Washington State has regulated association health plans as large group plans for nearly 15 years. Washington State carved out a unique position in the health insurance market for trade associations back in 1995. An example of this carve-out originating when the state’s 1993 health care reform act was dismantled provides: Employers purchasing health plans provided…

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What hasn’t changed

Last year, many controversial health reform regulatory issues ricocheted around federal government agencies and mercifully, no one was hit with responsibility. Among the biggest issues was and remains the state of association health plans and their status as grandfathered plans. Questions continue to arrive about the effects of federal health care reform on association health plans…

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