ACA Rules on Preexisting Condition Exclusions, Lifetime and Annual Limits, Rescissions, and Patient Protections

On June 28, 2010, the Obama Administration published an interim final rule with comment period implementing Affordable Care Act insurance reforms it dubs “a new Patient’s Bill of Rights.”  Specifically, the regulation issued by the Departments of Health and Human Services (HHS), Labor, and Treasury implements ACA provisions regarding preexisting condition exclusions, lifetime and annual dollar limits on benefits, rescissions, and patient protections applicable to group health plans and health insurance coverage in the group and individual markets . The interim final rules are effective August 27, 2010; but generally apply to group health plans and group and individual health insurance issuers for plan/policy years beginning on or after September 23, 2010 (with certain exceptions). Comments on the regulation will be accepted until August 27, 2010. An HHS fact sheet is posted here.  A Reed Smith analysis of the rule is available here.

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