On November 20, the Centers for Medicare & Medicaid Services (CMS) and the Department of Health and Human Services (DHHS) issued three proposed rules as part of the ongoing implementation of the Affordable Care Act (ACA): one addressing how insurers can vary premiums based on certain rating factors (age, tobacco use, family size and geography); a second defining essential health benefits; and a third governing employer-based wellness programs. These proposed rules impact small group and individual insurance plans and will be effective for plan years starting on or after January 1, 2014.

Source: Client Alert
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