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HorizonBlue-Logo-Updated-Jan15 2013

Applies to: All groups
Updated: 90-Day Waiting Period - Additional Requirements

Below is Horizon's Brief Notes 1009, which provides an update of the additional requirements to the Affordable Care Act (ACA) mandate, which prohibits group health plans and health insurance issuers from imposing waiting periods greater than 90 days.

The Affordable Care Act (ACA) prohibits group health plans and health insurance issuers from imposing waiting periods (the time that must pass before a person is eligible to receive benefits under the terms of the plan) greater than 90 days. This is effective for plan years beginning on or after January 1, 2014. This 90-day waiting period limitation does not apply to HIPAA Excepted Benefits, which include certain health Flexible Spending Accounts (FSAs) and stand-alone dental or vision plans. The waiting period limitation also does not apply to retiree-only plans.

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