Sunday, March 16, 2014

Bare-Bones Health Plans

The more things change, the more they stay the same?

Bare-Bones Health Plans - "What makes it possible under the health law: As long as companies offer at least one plan that complies with the law's requirements, they are free to keep offering ones that don't. That has enabled companies to find ways to comply with the law while minimizing increases in their health-care costs. The result has been an increase in lean insurance offerings such as "fixed-indemnity" plans." Starting in 2015, companies with 50 or more full-time workers must offer insurance plans that meet basic coverage requirements or face a penalty of $2,000 per employee. Other rules penalize companies for only offering plans that are too skimpy or too costly. Individuals, meanwhile, are required to have adequate health coverage as defined by the law or face penalties of up to 1% of their annual income, with a minimum of $95.

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