The Center for Consumer Information & Insurance Oversight (CCIIO) today posted versions of the employer and employee applications forms for the Patient Protection and Affordable Care Act (PPACA) small-group exchanges.
CCIIO, an arm of the U.S. Department of Health and Human Services (HHS), also a batch of small-group exchange regulations – Patient Protection and Affordable Care Act; Establishment of Exchanges and Qualified Health Plans; Small Business Health Options Program (CMS-9964-F2) (RIN 0938-AR76) – and guidance for issuers of indemnity insurance policies.
Opponents of PPACA are still trying to repeal the law and block or delay implementation of parts or all of the law.
If the law takes effect and works as drafters expect, it will require the U.S. Department of Health and Human Services (HHS) and state agencies to make exchanges, or Web-based health insurance supermarkets, available to individuals and small groups in all 50 states and the District of Columbia.
The carriers that sell “qualified health plans” (QHPs) through the exchanges are supposed to offer four different “metal levels” of coverage, includes bare-bones bronze plans, silver plans, gold plans and platinum plans.
The small-group exchange program — the Small Business Health Options Program (SHOP) — can make health insurance purchase tax credit subsidies available to workers at employers with 50 or fewer modestly paid, full-time equivalent employees. In some states, SHOP exchanges may be open to employers with as many as 100 employees.
The employer application form on the Web includes a cover sheet and three other pages. The employee form includes a cover sheet and two other pages.
The cover sheet for the employee application tells workers that those who find that the cost of employee-only coverage exceeds 9.5 percent of household income may be able to get help with buying coverage through the PPACA individual exchange system.
Getting notices sent electronically is the default option, but workers check a box to get paper notices sent by traditional mail.
An optional race selection form includes options such as Samoan, Native Hawaiian, and Gaumananian or Chamorro along with options such as White and Black.
A worker must sign to indicate that the worker has seen a statement explaining that, “I know that under federal law, discrimination isn’t permitted on the basis of race, color, national origin, sex, age, sexual orientation, gender identity, or disability.”
The employer application posted is a paper version of the Web-based application process. The paper application is designed for “employers who cannot apply online” and “employers not working with a broker,” according to the form.
To complete the employer SHOP application, an employer must provide the name, date of birth, Social Security number, e-mail address, employment status and date of hire for each employee who works for the employer 30 hours or more per week. Employment status options could include full-time, part-time, owner/partner, spouse of owner, COBRA or retired.