Human Resources
Affordable Care Act FAQs Offer Employers the Good, the Bad, and the Ugly on Notices, EGWPs, Fixed Indemnity, and HRAs

Affordable Care Act FAQs Offer Employers the Good, the Bad, and the Ugly on Notices, EGWPs, Fixed Indemnity, and HRAs


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The eleventh set of frequently asked questions (FAQs) on administration of the Patient Protection and Affordable Care Act (Affordable Care Act), issued January 24, 2013, offered a range of guidance to employers sponsoring group health plans:

  • From the “good”—easing the rules on Exchange notices and employer group waiver plan (EGWP) supplemental benefits;
  • To the “bad”—tighter rules on Affordable Care Act exemptions for fixed indemnity benefits; and
  • The “ugly”—the application of rules on essential health benefits (EHBs) to health reimbursement arrangements (HRAs).

The Aon Hewitt bulletin below discusses the FAQ guidance issued by the Departments of Labor (DOL), Treasury, and Health and Human Services (HHS) (the agencies) on:

  • Exchange notices (Note: Exchanges are also referred to as marketplaces as of January 2013);
  • HRAs and the rules on dollar limits for EHBs;
  • The application of certain Affordable Care Act rules to EGWP supplemental benefits;
  • The payment of the Patient-Centered Outcomes Research Institute (PCORI) fee for multiemployer plans; and
  • Whether fixed indemnity policies are “excepted benefits” from Affordable Care Act compliance.

Download Affordable Care Act FAQs Offer Employers the Good the Bad and the Ugly