Compliance & legal
FPL (Federal Poverty Level)
The income threshold the federal government uses to define poverty. Updated annually. Used to determine ACA premium tax credit eligibility, Medicaid eligibility, and ICHRA affordability safe harbor calculations.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in Compliance & legal
ERISA (Employee Retirement Income Security Act of 1974)
Federal law governing most private-sector benefit plans.
COBRA (Consolidated Omnibus Budget Reconciliation Act)
Continue group coverage up to 18-36 months after losing eligibility.
ACA (Affordable Care Act)
2010 federal law restructuring U.S. health insurance markets.
HIPAA (Health Insurance Portability and Accountability Act of 1996)
Federal law protecting health information privacy.
Section 125 (Cafeteria plan)
IRS code allowing pre-tax benefits payments.
Premium-only plan (POP)
Simplest Section 125 plan. Pre-tax premiums only.
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