Health Insurance Exchanges: A marketplace for the future

Published September 2010
Page 19: Subsidies, HSA and HRAs and cost-sharing changes
Page 20: Reduced out-of-pocket limits
Reason for update: Guidelines for actuarial value and cost-reduction released

The actuarial value and cost-reduction guideline were released earlier this month. The guidelines provide details around how actuarial value will be calculated which changes the information we provided in our report. In addition, HHS has proposed that only individuals and households with income less than 250% of the federal poverty level would be eligible for reductions in the maximum out-of-pocket limits. To learn more, read our article “Actuarial value and cost-sharing update”.

Download the original report, published before these updates became available. To create a future-ready benefits strategy for the post reform era, contact your Unum sales representative for consultative help.