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What ACA benefits are included in my group health plan?

The ACA made reforms to group health plans. All group health plans, regardless of whether they are self-insured or fully-insured or grandfathered (see below), must include the following reforms in their policies:

  • End all lifetime and annual limits.
  • Health insurance policies cannot be rescinded, except in cases of fraud or intentional misrepresentation.
  • Extend coverage to dependents up to age 26.
  • Cover all persons, regardless of whether they have a pre-existing condition.

If you have questions about your job-based health insurance coverage, check with your Human Resources department.

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