Filed Under:Markets, Employee Benefits

PPACA Experts: The Little Things Matter

SBCs: Milk carton labels for health plans (LHP Graphic/Allison Bell)
SBCs: Milk carton labels for health plans (LHP Graphic/Allison Bell)

Provisions in the Patient Protection and Affordable Care Act of 2010 (PPACA) that have attracted little attention up till now could give health insurers and employers incentives to reduce the number of products and plan options they offer.

Other provisions could give employers new incentives to prefer part-time employees over full-time employees, and seasonal employees over year-round employees.

“Spend some time on the front end looking at your designs," Buckey said. "You may be able to identify opportunities to reduce your number of SBCs."

For employer SBC issuers, easy ways to reduce the number of SBCs required could include "consolidating carriers" and putting retirees in a separate retiree health plan that is not subject to the SBC requirements, Buckey said.

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Nichole Morford

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