While there is not yet an association group health insurance plan that the AIA Trust can offer to AIA members, the AIA Trust continues to monitor healthcare insurance reform to identify potential future offerings.
The continuing Affordable Care Act (ACA) still defines only two ways in which someone can purchase private insurance: through their employer or as an individual. Currently membership associations cannot band together and purchase health insurance on behalf of their members, and until that changes, there are no immediate plans with association group pricing that the AIA Trust (or anyone) can offer to individual members.
Alternative models such as the recently announced Association Health Plans have been slow to enter the market. On March 28, 2019 a federal judge struck down the new Association Health Plan rule saying that the administration’s rule was designed to “end run” the ACA. The Department of Labor is expected to appeal the ruling.
AIA Trust leadership, working with their consultants and administrator, has holding ongoing discussions with healthcare brokers and carriers in an attempt to identify a viable healthcare offering. Please refer to the January 2019 AIA Trust newsletter for more on background on the current regulatory landscape by clicking here.
As we have updates on this topic, we will share them on our AIA Trust website healthcare programs page which you can access by clicking here. We also regularly update the AIA Trust page of healthcare resources found by clicking here.
In addition, you can sign up for the quarterly AIA Trust newsletter, Managing Your Risks, by clicking here. The newsletter will continue to publish healthcare coverage updates. Be sure to follow the AIA Trust on social media for the latest updates.
The AIA Trust has identified Simply Insured, a service aimed at small firms of 2 to 50 employees. Employers may investigate and analyze health care plans and expenses including deductibles, out-of-pocket, premiums, prescription drugs, etc. While Simply Insured is licensed in 50 states, they do not quote insurance in MN, ND, SD, VT, HI, DC. Note that Blue Cross/Blue Shield does not participate in certain states and should be contacted directly if not found on their website. To find out more, visit: http://info.simplyinsured.com/hbi/.
Please note that the next open enrollment date for ACA health insurance is November 1 through December 15, 2019. The website for more information and enrollment is https://www.healthcare.gov/.