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Private Exchanges: Consumer-Driven Health Care’s Next Act

Proponents of consumer-driven health care have long advocated for Health Care Reimbursement Arrangements, where employers provide a sum of money to their employees to purchase coverage in the individual health insurance market without any further employer oversight or involvement. Beginning in 2014, this approach to consumer-driven health care will run afoul of the ban on annual limits imposed by the Patient Protection and Affordable Care Act. However, in 2014, the health care reform act’s employer-shared responsibility rules come into play, and by wrapping the employer contribution, if any, into a group market insurance product, private exchanges seek to address these and other issues.

Alden J. Bianchi of Mintz Levin’s Employment, Labor & Benefits Practice Section, recently published a Client Alert that is a must read for those who follow – or should follow – this important topic.

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About this Author

M. Daria Niewenhous, Health Care Tech Attorney, Mintz Levin, HIPAA Lawyer

Daria's practice ranges from transactional matters to general counsel services. She has extensive experience with the merger and acquisition of hospitals, long-term care facilities, clinics, assisted living facilities, home health and hospice programs, group practices, and other provider entities. She guides clients through the regulatory aspects of capital projects and other strategic initiatives. Active in health care reform matters, Daria is currently working with clients on ACO formation, clinical integration and affiliation, and similar arrangements. In addition, Daria provides...