HSA 4321 Lecture Notes - Lecture 27: Adverse Selection, Essential Health Benefits, Employee Retirement Income Security Act
Document Summary
Key federal legislation: 1945 mccarran-ferguson act, 1954 internal revenue code amendments, 1974 employee retirement income security act (erisa, benefits mandates: 1986 consolidated omnibus budget reconciliation act (cobra) 1996 health insurance portability and accountability act (hipaa) 1(cid:1013)(cid:1013)6 ne(cid:449)(cid:271)o(cid:396)(cid:374)s a(cid:374)d mothe(cid:396)s" health p(cid:396)ote(cid:272)tio(cid:374) a(cid:272)t. 1(cid:1013)(cid:1013)(cid:1012) wo(cid:373)e(cid:374)"s health a(cid:374)d ca(cid:374)(cid:272)e(cid:396) rights a(cid:272)t. 2008 federal mental health parity act: 2010 patient protection & affordable care act (aca) 1954 internal revenue code amendments: clarified contradictory irs special rulings made during the 1940s and early 1950s and made employer-sponsored health insurance clearly exempt from federal income taxes. Federal benefits mandates: 1979 pregnancy discrimination act. A woman unable to work for pregnancy-related reasons is entitled to disability benefits or sick leave on the same basis as employees unable to work for other medical reasons. Any health insurance provided at work must cover expenses for pregnancy- related conditions just as expenses for other medical conditions. Excludes firms with <15 workers: 1986 cobra.
