On June 13, 2019 the federal government issued new final regulations expanding the health reimbursement arrangement (HRA) options available to employers of all sizes. The new regulations permit two new types of HRA: the Individual Coverage HRA (ICHRA) and the Excepted Benefit HRA (EBHRA). The two new types of HRA give employers more choices and new opportunities to make tax-preferred contributions to employees for the purchase of health coverage. For example, many employers that have previously been unable to make tax-preferred contributions to employees to purchase health coverage on the ACA Exchanges or in the individual market may now be able to do so, with no caps on employer contributions, and the unpopular “employer payment plan” prohibition rule will no longer apply. Employers will also be able to make limited contributions for employees to purchase excepted benefits such as limited-scope vision and dental coverage, short-term limited duration health insurance, and COBRA premiums.
Please join Christine Williams, founder of Health Plan Plain Talk, as she reviews the new rules and discusses how employers may use them.
WHAT WE’LL COVER
Just a sampling of what this webinar will cover:
- The effective date of the new regulations
- The new acronyms
- What an ICHRA can cover
- What an EBHRA can cover
- Employer contribution limits
- Permissible ICHRA discrimination between classes of employees
- How Qualified Small Employer HRAs (QSEHRAs) differ from ICHRAs and EBHRAs
- The effect of ICHRA or EBHRA coverage on employee eligibility for subsidies on the ACA Exchanges
- What ACA requirements still apply to ICHRAs and EBHRAs
- Whether employers can retain existing group health coverage for existing employees but offer ICHRAs or EBHRAs to new hires
- AND MUCH MORE!
YOUR CONFERENCE LEADER
Your conference leader for “New Health Reimbursement Arrangement Rules: Changes, New Options, & Challenges” is Christine Williams. Ms. Williams has worked in the employee benefits field since 1987, both in private practice and as in-house counsel to a Fortune 100 company, and recently founded HealthPlanPlainTalk.com, an online resource for benefit plan sponsors and employee benefit professionals. She has extensive experience with all types of health and welfare plans, and was the editor and a contributing author of HIPAA Portability, Privacy, & Security, published by the Employee Benefits Institute of America (EBIA), a division of Thomson Reuters, and is now a contributor to that publication. She was a contributing author of Health Care Reform for Employers and Advisors, also published by EBIA. She has provided advice on HIPAA, health care reform, and benefit plan compliance to a wide range of health plans, employers that sponsor health plans, and business associates, and she regularly teaches seminars for employee benefit professionals. Before moving into employee benefits, Ms. Williams was a trial attorney at the U.S. Department of Justice and an assistant professor at the University of Maryland School of Law. She earned her J.D. degree from the University of Kentucky College of Law.
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