Association Plan Redux – Bona Fide Grandfathers

Six months before the health reform cuckoo clock strikes, the Washington Office of the Insurance Commissioner (OIC) has changed agency policy which required associations to prove its ERISA “bona fide” status and which rejected grandfather status for employers insured through associations. I say to those bitter folks clinging to their guns and their religion, better…

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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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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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