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Legislative Update: (Finally!) Relief for Small Groups Under the Affordable Care Act (ACA)

Story Content Provided by AmeriFlex on 4/2/14

On Monday, Congress and President Obama together repealed one of the Affordable Care Act's most onerous provisions, which prohibited so-called "small groups" (mostly groups with less than 50 employees) from offering health plans with deductibles higher than $2,000 for single coverage and $4,000 for family coverage.

This comes as very welcome news to small businesses, who are frequently the most in need of additional options and flexibility when it comes to offering employees comprehensive, affordable health insurance via higher deductibles and other cost-sharing mechanisms.

It is also great news for employers wanting to couple their insurance plans with health reimbursement arrangements (HRAs), which federal agencies previously rejected as permissible ways to ease the burden of the $2,000/$4,000 provision.

The new law is effective immediately. Given this change, we encourage our brokers and small groups to reach out to AmeriFlex to discuss how it is now possible to leverage the unique benefits of a health reimbursement arrangement (HRA) to save money and still offer a rich benefits package to employees. Please email for more information, or to request a custom proposal now.