One of the many challenges presented by the Affordable Care Act (ACA) relates to what are known as “excepted benefits”. Excepted benefits are exempt from some, but not all laws impacting employee benefits including but not limited to the HIPAA portability rules, as well as the market provisions of the ACA. On December 24, 2013, the ACA’s governing agencies (DOL, IRS and HHS) issued proposed regulations addressing certain of these excepted benefits; specifically, limited-scope dental and vision benefits and employee assistance programs (EAPs). In addition, the regulations propose a new type of excepted benefit known as a “limited wraparound benefit”. Learn more in this bulletin.