Insights

CSR Report: Federal Requirements on Private Health Insurance Plans


On May 1, 2018, the Congressional Research Service (CSR) published a report entitled “Federal Requirements on Private Health Insurance Plans.” The report details the federal requirements that apply to private individual, small group and large group health insurance plans and also self-insured plans.

Of particular interest to employers may be the chart starting on page three of the report that lists more than 30 separate requirements (such as mental health parity, guaranteed issue, guaranteed renewability, COBRA and essential health benefits) and identifies which plans are subject to each requirement. For example, both small and large insured plans are subject to guaranteed issue and renewability; but large insured plans and self-insured plans aren’t required to provide coverage for essential health benefits.

If you have any questions as to which requirements apply to your plan, please contact your advisor for guidance.

Federal Requirements on Private Health Insurance Plans »