The Affordable Care Act (ACA) has eliminated the need for certificates of creditable coverage (a.k.a. HIPAA notices) as of this year. These notices detailed the amount of time a person was covered under a health plan, and their primary purpose was to reduce or eliminate pre-existing condition waiting periods when someone was changing from one health plan to another. Since the ACA has eliminated pre-existing condition waiting periods in almost all market segments, these notices are deemed to be no longer relevant.

Select states have issued regulations that the certificates of creditable coverage must still be provided by health plans upon request, but there is no longer a need to automatically provide the notice after a health plan has been terminated.

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The materials contained within this communication are provided for informational purposes only and do not constitute legal or tax advice.