Association Plans – Year End Wrap-Up

For most of 2014, insurance producers and employers puzzled over the inability of the Office of the Insurance Commissioner (OIC) to make decisions about the fate of Washington’s association health plans. Most associations claimed status as “bona-fide” employer associations to obtain treatment as large employer plans under ERISA. That status allows the association to offer…

Share

Let’s Be Careful Out There

As someone who has long opposed the Washington Insurance Commissioner’s regulatory approach to killing association health plans, I understand the anger and frustration of small employers and associations forced to abandon perfectly legal plans for the health care reform tango. BUT, it’s important to remember there’s a huge difference between opposing bad law and policy…

Share

How to kill an AHP – drive them mad

After a year of PowerPoint presentations and various emergency rules explaining when and how a small employer could keep existing coverage (they can’t), the Insurance Commissioner (OIC) began adopting rules explaining how insurers should develop and file association health plan rates. It’s all very exciting. Small employers still don’t know how things are going to…

Share