Health Care Reform Dashboard

Health Care Reform Dashboard

Charting Developments with the
Affordable Care Act and Beyond

D. Finn Pressly

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Mark Your Calendar: HIPAA Deadline on February 16

Posted in Health Plans, Healthcare Providers / Suppliers, HIPAA
The Health Insurance Portability and Accountability Act (HIPAA) regulations require updates to the Notice of Privacy Practices that health plan sponsors furnish to plan participants and health care providers furnish to patients. The updates must be made by February 16, 2026. The Upshot The regulations require changes to the Notice of Privacy Practices for information [&hellip… Continue Reading »

IRS Touches Up the One Big Beautiful Bill

Posted in Health Plans, Healthcare Providers / Suppliers
The Internal Revenue Service (IRS) has provided guidance on the changes made to the rules governing health savings accounts (HSAs) in the One Big Beautiful Bill, which was enacted this summer. The Upshot The guidance addresses: The Bottom Line The guidance generally addresses narrow points affecting the HSA changes in the legislation. Comments to the [&hellip… Continue Reading »

IRS Relief Alleviates Some—But Not All—ACA Reporting Issues

Posted in Health Plans, Healthcare Providers / Suppliers, Reporting
Employers now may have an opportunity to save money and time by posting a Notice of Availability with respect to the reporting required by the Affordable Care Act (ACA) and Forms 1095-B and 1095-C. The Upshot The Bottom Line Health plan sponsors can save time and money by posting a Notice of Availability with respect [&hellip… Continue Reading »

While Congress Slept: Health Benefit Developments During the Shutdown

Posted in Essential Benefits, Health Benefits, Health Plans, Healthcare Providers / Suppliers, Litigation, Medicare, Medicaid, and CHIP, Non-discrimination Rules, Nondiscrimination
Although much of our attention this fall was focused on the government shutdown, health plan sponsors may be interested in several less-publicized developments affecting group health plans. The Upshot The Bottom Line The two lawsuits and the administrative guidance, along with factors affecting the cost of health coverage, bear watching as each of these matters [&hellip… Continue Reading »

Court Upholds Arkansas Pharmacy Benefit Management (PBM) Reporting Requirements

Posted in Health Benefits, Health Plans, Healthcare Providers / Suppliers, Litigation, Preventive Services
A recent federal district court decision has upheld an Arkansas Insurance Department rule that requires health benefit plans to submit certain pharmacy compensation information to the Department. The court ruled that this reporting requirement is not preempted by ERISA, finding that the rule does not apply exclusively to ERISA plans and that the reporting required by the rule [&hellip… Continue Reading »

The OBBBA’s Impact on Employee Benefits and Executive Compensation

Posted in Flexible Spending Accounts (FSAs), Health Benefits, Health Plans, Healthcare Providers / Suppliers, Legislation
H.R.1—the One Big Beautiful Bill Act (OBBBA)—contains several provisions that directly affect employer-provided benefit programs, primarily health and welfare programs. The Upshot The new budget law’s changes to health and welfare benefits include: Beginning with tax years starting after 2026, the OBBBA also changed the method used to determine the amount of compensation paid to [&hellip… Continue Reading »

Two Recent Supreme Court Injunction Rulings Support Affordable Care Act

Posted in Health Benefits, Health Plans, Healthcare Providers / Suppliers, Litigation, Preventive Services
Two recent U.S. Supreme Court rulings support provisions of the Affordable Care Act, one directly and one indirectly. The Upshot The Bottom Line Plans will need to continue to provide 100 percent coverage for preventive health services with an A or B recommendation from the USPSTF. Based on the Court’s ruling, federal district courts will [&hellip… Continue Reading »

Court Vacates HIPAA Reproductive Information Privacy Regulations

Posted in Health Plans, Healthcare Providers / Suppliers, HIPAA
A federal district court has vacated a federal regulation under HIPAA that provided special restrictions on the disclosure of reproductive health information. The Upshot The Bottom Line Employers will need to watch for relevant developments and consider how they affect their HIPAA compliance measures. They will, in any event, need to consider certain amendments to [&hellip… Continue Reading »

Mental Health Brake: 2024 MHPAEA Regulations Put on Hold

Posted in Health Plans, Healthcare Providers / Suppliers
A recent court filing offers a reprieve to health plan sponsors in their efforts to comply with final regulations issued last year under the Mental Health Parity and Addiction Equity Act (MHPAEA). In a motion to stay proceedings in a lawsuit challenging those regulations, the U.S. Departments of the Treasury, Labor, and Health and Human Services notified the court [&hellip… Continue Reading »

Section 1557: Deadlines Approach, But Long-Term Prognosis Unclear Under Executive Orders

Posted in Health Plans, Healthcare Providers / Suppliers, Nondiscrimination
Section 1557 of the Affordable Care Act mandates nondiscrimination in health care programs managed or funded by the Department of Health and Human Services (HHS), with upcoming deadlines for compliance set for May and July 2025. However, uncertainties remain regarding enforcement and future regulatory guidance, especially concerning provisions related to transgender discrimination and foreign language [&hellip… Continue Reading »

Surprise, Surprise! No Surprise Billing Regulations Upheld

Posted in Consolidated Appropriations Act (CAA), Employee Benefits/Executive Compensation, Health Care Reform, Health Plans, Healthcare Providers / Suppliers, Labor and Employment
Summary The Fifth Circuit Court of Appeals recently upheld regulations defining the qualifying payment amount (QPA). The QPA is a key factor in determining how much individuals and health plans must pay out-of-network providers in certain situations, where the individual does not have a choice to receive services in-network. The Upshot The Bottom Line The [&hellip… Continue Reading »

IRS Guidance Expands List of Preventive Care Benefits Under HDHPs

Posted in Employee Benefits/Executive Compensation, Health Care Reform, Health Plans, Healthcare Providers / Suppliers, Labor and Employment, Plan Design Requirements, Preventive Services
Summary The IRS recently issued Notices 2024-71 and 2024-75, which expand the list of “preventive care” benefits permitted to be provided by a high deductible health plan (HDHP) without a deductible and the list of benefits considered “medical care expenses” under group health plans. The Upshot The Bottom Line Employers that offer health benefits, and particularly those that [&hellip… Continue Reading »

Practical Pointers for Compliance With New MHPAEA Regulations

Posted in Consolidated Appropriations Act (CAA), Employee Benefits/Executive Compensation, Health Care Reform, Health Plans, Healthcare, Healthcare Providers / Suppliers, Labor and Employment, Mental Health
Summary The Departments of the Treasury, Labor, and Health and Human Services have published final regulations under the Mental Health Parity and Addiction Equity Act that prohibit group health plans and health insurers from imposing nonquantitative treatment limitations that place greater restrictions on benefits for mental health and substance use disorders than for medical and [&hellip… Continue Reading »

Tobacco Surcharge Lawsuits Lighting Up Common Wellness Program Designs

Posted in Employee Benefits/Executive Compensation, Health Plans, HIPAA
A new and unprecedented wave of class action complaints is targeting a common feature of many employer-sponsored benefit plans: tobacco-user surcharges. These surcharges are often part of a wellness program that charges higher medical plan premiums to participants who fail to certify that they do not use tobacco products. As we reported earlier this year, employers who [&hellip… Continue Reading »

Health Plan Compliance Deadlines Draw Near 

Posted in Employee Benefits/Executive Compensation, Health Care Reform, Healthcare, HIPAA, HIPAA and Data Security, Labor and Employment
Regulations under Section 1557 of the Affordable Care Act and HIPAA will require health plans and health care providers to take action in the coming months to meet new requirements. Health plan sponsors and providers that have not started to prepare for these new requirements should begin to take measures now. Section 1557. Final regulations under the [&hellip… Continue Reading »

Final Section 1557 Rules: Highlights for Health Plan Sponsors

Posted in Employee Benefits/Executive Compensation, Employer Responsibilities, Health Benefits, Health Plans, Healthcare, Healthcare Providers / Suppliers, Insured Plans, Labor and Employment, Non-discrimination Rules, Nondiscrimination
Summary The U.S. Department of Health and Human Services (HHS) has issued final regulations on the nondiscrimination rules set forth in Section 1557 of the Affordable Care Act. The new rules apply to certain group health plans, as well as many health care providers. The Upshot The Bottom Line Plan sponsors need to evaluate whether the new [&hellip… Continue Reading »

Final Rules Overturn Trump Era Health Benefit Rules

Posted in Health Plans, Healthcare Providers / Suppliers
Summary The Biden administration has issued two sets of final regulations that overturn rules adopted during the Trump administration pertaining to association health plans and short-term, limited-duration insurance (STLDI). The regulations go into effect June 17, 2024. The Upshot The Bottom Line The new rules come as no surprise, but employers considering entering into an association health [&hellip… Continue Reading »

HIPAA Breach Notifications – A Question of Timing

Posted in Health Plans, Healthcare Providers / Suppliers, HIPAA
Summary Providing notice of a vendor’s HIPAA breach is often difficult, but it can be particularly hard when information is delayed. Sometimes an investigation takes months to complete, and the HIPAA deadline for providing notice may have passed before a health plan or health care provider even knows who was affected by the breach and [&hellip… Continue Reading »

HHS Announces Temporary Copay Accumulator Non-Enforcement Policy

Posted in Health Plans, Healthcare Providers / Suppliers
Summary The United States Department of Health and Human Services (HHS) has filed court pleadings stating that it does not intend to initiate enforcement actions against plans that maintain copay accumulator programs. The Upshot The Bottom Line The non-enforcement policy provides welcome—albeit temporary—relief for employers weighing their options following the court’s decision. In court papers [&hellip… Continue Reading »

No Surprises, But Much Uncertainty: The Status of CAA Billing Rules

Posted in Consolidated Appropriations Act (CAA), Health Plans, Healthcare Providers / Suppliers, Litigation
Summary The rules in the Consolidated Appropriations Act that aim to eliminate much of the surprise from billings by out-of-network providers in particular situations are the subject of continued controversy. The Upshot The Bottom Line If upheld, the district court’s decisions will likely result in higher costs for plans and patients, but there remains much [&hellip… Continue Reading »

Prescription for Chaos: Copay Accumulator Programs Called Into Question

Posted in Health Plans, Healthcare Providers / Suppliers
Summary Employers taking advantage of copay accumulator programs now face unexpected administrative complications following a recent federal court decision. The Upshot The Bottom Line Plan sponsors should consult with their advisers to determine how this recent federal court decision affects their employee prescription drug benefit design. Some employers may not even know that their benefit [&hellip… Continue Reading »

Details Upon Details: Compliance under MHPAEA’s New Proposed Regulations

Posted in Consolidated Appropriations Act (CAA), Health Plans, Healthcare Providers / Suppliers, Mental Health
Summary The Departments of Labor, Health and Human Services, and the Treasury have proposed regulations under the Mental Health Parity Act that build on prior guidance to set forth requirements for an extremely detailed analysis of how a health plan’s nonquantitative treatment limitations (NQTLs) for mental health and substance use disorder benefits compare to those [&hellip… Continue Reading »

New Mental Health Parity Guidance Issued

Posted in Consolidated Appropriations Act (CAA), Health Plans, Healthcare Providers / Suppliers, Mental Health
Summary On July 25, 2023, the Departments of Labor, Treasury, and Health & Human Services (the Departments) released joint proposed regulations and other guidance under the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (the MHPAEA). This alert provides a high-level summary of the much-anticipated guidance; a more detailed analysis of [&hellip… Continue Reading »

Meet me at the Corner of No Surprises and …

Posted in Consolidated Appropriations Act (CAA), Health Plans, Healthcare Providers / Suppliers
Summary The Departments of Labor, Health and Human Services, and the Treasury have issued guidance that coordinates application of the No Surprise Billing rules under the Consolidated Appropriations Act, 2021, with the cost-sharing limits under the Affordable Care Act and the requirement to provide access to cost information through an internet-based self-service tool under the [&hellip… Continue Reading »
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