Compliance & legal
HIPAA (Health Insurance Portability and Accountability Act of 1996)
The federal law that protects health information privacy, sets rules for electronic health information, and limits how group health plans can use pre-existing condition exclusions. HIPAA's privacy and security rules govern how providers, insurers, and business associates handle protected health information (PHI).Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
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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.
Section 125 (Cafeteria plan)
IRS code allowing pre-tax benefits payments.
Premium-only plan (POP)
Simplest Section 125 plan. Pre-tax premiums only.
MEC (Minimum Essential Coverage)
Coverage level satisfying ACA mandate requirements.
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