90 Day Waiting Period & Orientation Period
September 2023
ACA: 90-Day Limit on Waiting Periods
Group health plans and insurers are prohibited from imposing a waiting period exceeding 90 ...
Brokers as Business Associates – When is a Business Associate Agreement Required?
Updated: September 2023
It is not uncommon for brokers to wonder if they are acting as business associates for t...
Out-of-Pocket Maximum Limits
Date Issued: September 2023
Most group health plans are designed with cost-sharing measures such as deductibles, copays, coinsurance, and an out-of-pocket (OOP) maxi...
Annual Contribution Limits When Employee Is Hired Mid-Plan Year
Updated August 2023
Background
One common question from employers is regarding the different rules with respect to annual cont...
2024 Affordability Percentage Date Issued
In Revenue Procedure 2023-29, the IRS has again significantly decreased the affordability percentage from 9.12% in 2023 to 8.39% for 2024. This is the firs...
Brokers as a HIPAA Business Associates – The Minimum Necessary Rule Applies!
August 2023
Background
There are many rules about appropriate use and disclosure of protected health information ...
Exactly Who Must Complete the ‘Gag Clause Attestation’ and Submit to the Departments by December 31, 2023
Overview
The Internal Revenue Service (IRS), Department of Labor (DOL), and Department o...
Amwins Connect - Question Of The Month August 2023
Question:
When a covered employee’s dependent child attains age 26, when can the Group Health Plan terminate the dependent's coverage?
Answe...
Medicare Part D Creditable Coverage Notice and Reporting Requirements
August 2023
Background
The purpose of the notice is to assist individuals in making an informed decision about whether t...
Coverage of Preventive Services Without Cost Sharing
August 2023
Background
Non-grandfathered group health plans are required to cover those items considered to be preventive under provisions...
Department of Labor Releases Updated Children's Health Insurance Program Model Notice
August 2023
The Department of Labor (DOL), through its Employee Benefits Security Administration (EBSA), has...
Compliance Issues for Short Plan Years
When there is a need to discontinue benefit offerings, or a need to adjust the benefit plan year, employers may need to run a short plan year. Short plan year...