Minimum Essential Coverage (MEC) are plans that only cover routine health services such as wellness benefits, preventive care and certain routine medical care. By definition, an MEC plan must cover all 63 CMS listed preventive care services. These plans do not provide traditional, major medical insurance coverage. The Affordable Care Act has two mandates. The [...]

There are three subsidies lawsuits all charging the same basic concept: that subsidies are illegal unless a state has set up its health insurance marketplace. For example, Florida and Texas has a Federal Exchange; Nevada has a state exchange. This charge is based on the specific wording of the law which states subsidies are for [...]

Grandfathered plans are not required to meet these PPACA requirements: Modified community rating (starting with the 2014 plan year; this only applies to insured small group plans) Coverage of preventive care without employee cost-sharing, including contraception for women Expanded claims and appeal requirements Limitations on out-of-pocket maximums (starting with the 2014 plan year) Essential health [...]