There has been a lot of clamoring for the U.S. Department of Health & Human Services to provide regulations containing the details needed to implement the Patient Protection and Affordable Care Act.
On Tuesday, HHS obliged, releasing a raft of proposed regulations. Some of them contain what amount to changes or clarifications in the law if approved. Here are two notable instances that will affect how insurers can structure their plans:
• New Essential Health Benefits deadline: Dec. 20. Pennsylvania must select the plan that will be used to define EHB standards to be met by all individual and small-group health insurance plans starting in 2014, or default to the plan from the state’s largest small group product: Aetna Health Inc. PA POS Cost Sharing 34 1500 Ded.
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• Relaxed deductible limits. A plan may exceed the $2,000 individual/$4,000 family yearly deductible limit “if it cannot reasonably reach a given level of coverage (metal tier) without doing so.” Metal tier is a reference to the bronze, silver, gold and platinum designations PPACA has specified for plans sold in the official exchanges.
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Let our experts help you
As more details on implementing the PPACA guidelines come out, we’ve got a panel of local experts ready to answer your questions. Click here to see the questions already posed to our expert advisory panel and to ask a question of your own. We’ll have an answer ready for you within 48 hours.
You can also get the latest news from around the country on the PPACA each day on our Health Care Reform Resource Center, where you’ll also find links to handy resources, the latest blog posts about health care reform by staff reporter Heather Stauffer and more.