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Federal agencies have issued three sets of proposed regulations that include some items of particular interest to employers that sponsor health plans.
• Proposed regulations on wellness programs, which modify the permissible incentives for meeting wellness standards and the conditions under which plans may provide those incentives
• Proposed regulations defining essential health benefits and actuarial value, which primarily relate to insurance coverage in the individual and small group insurance markets, as well as coverage offered on a state health insurance exchange
• Proposed regulations implementing various reforms that apply to insurers and primarily affect coverage in the small group and individual markets
Because they are not final, these proposed regulations are not legally binding and are subject to change. Highlights of the issues covered by these regulations are noted below. We will provide detailed explanations of these regulations, insofar as they affect employers, when they are finalized.