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Last month, the Departments of the Treasury, Labor and Health and Human Services issued final regulations governing several market reforms implemented under the Affordable Care Act. These regulations finalize the 2010 interim final regulations and amendments without substantial change and incorporate the guidance and clarifications issued by the departments since 2010.

The final regulations are effective January 19, 2016 and apply to group health plans and health insurance issuers for plan years beginning on or after January 1, 2017.

Here are a couple of important takeaways for each market reform:

Grandfathered Health Plans

Prohibition of Preexisting Condition Exclusions

Prohibition on Lifetime and Annual Dollar Limits

Prohibition on Rescissions

Coverage of Dependent Children to Age 26

Internal Claims and Appeals and External Review

Patient Protections

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