It was just last March when the Patient Protection and Affordable Care Act was signed into law. Now, one year later, the one thing that seems to be most certain … is that nothing is certain at all.
Mini-med plans, once thought to be headed for extinction due to the minimum loss ratio requirements, have been granted an exemption. Nondiscrimination rules for insured plans were deferred at the 11th hour (Christmas Eve, to be exact) – unfortunately long after many employers had already made “to grandfather or not to grandfather” decisions that would determine whether those rules would apply.
