Application of Certain Market Reforms to HRAs, HSAs, FSAs and Certain Other Plans

Technical Release 2013-03 addresses the application of certain provisions of the Affordable Care Act to HRAs, HSAs, FSAs and similar arrangements.

Document Excerpts

The market reforms specifically addressed in this Technical Release are:(4)

(a) PHS Act § 2711 which provides that a group health plan (or a health insurance issuer offering group health insurance coverage) may not establish any annual limit on the dollar amount of benefits for any individual—this rule does not prevent a group health plan, or a health insurance issuer offering group health insurance coverage, from placing an annual limit, with respect to any individual, on specific covered benefits that are not essential health benefits(5) to the extent that such limits are otherwise permitted under applicable law (the annual dollar limit prohibition); and

(b) PHS Act § 2713 which requires non-grandfathered group health plans (or health insurance issuers offering group health insurance plans) to provide certain preventive services without imposing any cost-sharing requirements for these services (the preventive services requirements).

Link http://www.dol.gov/ebsa/newsroom/tr13-03.html

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