Since 2012, the Affordable Care Act (ACA) has required health insurers with a certain medical loss ratio (MLR) to issue a rebate to employers. Depending
A flexible spending account (FSA) is an account in an employee’s name that reimburses the employee for qualified medical expenses or dependent care expenses. It
A health savings account (HSA) is a savings account maintained to help you pay for current or future medical expenses. There are certain advantages to
On June 16, 2022, the Federal Trade Commission (FTC) issued an enforcement policy statement alerting Pharmacy Benefit Managers (PBMs) that it was looking into the
The answer to this question depends upon the context in which it is asked. In Texas, in the context of liability for premium taxes, the
Last year we told you about a case that could potentially impact the use of reference-based pricing in self-funded health plans. The name of the
The IRS recently issued Rev. Proc. 2022-24 in which it announced cost-of-living adjustments for Health Savings Accounts (HSAs), High-Deductible Health Plans (HDHPs) and excepted benefit
The Patient Protection and Affordable Care Act, also known as the ACA, imposes an obligation, known as the employer mandate, on certain employers to provide
In simple terms, an “attachment point” is the point at which one person’s liability for claims ends and another person’s begins. However, the meaning of
TLO or Terminal Liability Option is a feature of stop-loss insurance. It protects a plan sponsor of a self-funded health plan in the event that
