Transitional Plans Tutorial

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In this video, we discuss the rules for renewing non-grandfathered plans that do not comply with all of the patient protections created by the Affordable Care Act.

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The transition relief allows individuals and small employers, if the state and the insurance companies agree, to renew their old, non-ACA-compliant plans through October 1, 2016. Groups that purchased coverage in the large group market will have this opportunity between January 1 and October 1, 2016.

There have been three primary pieces of guidance on this topic: a letter from CMS to the state insurance commissioners in November, 2013; a CMS bulletin in March, 2014; and an FAQ issued by CMS in May, 2014. Links to those three documents and a briefing paper prepared by Milliman that discusses the transitional plan option in more detail are provided below.


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