Affordable Care Act Compliance – Effective Immediately

Governor Brown has signed SB 1446, allowing small employers with a health plan that was in effect on December 31, 2013, and still in effect as of the passage of the bill, to renew their current health plan, even if it is not Affordable Care Act (ACA) compliant.

This is a one year transitional relief program called Grandmothering.

1. Are all carriers offering Grandmothering?
No, all carriers are NOT offering this program. If your carrier is participating in this program, you may receive a notice from them.

2. What does Grandmothering mean to me?
At your third quarter 2014 renewal, Rivkin Insurance Services will complete a market analysis determining if it is more advantageous for your company to renew your current policy or migrate to an ACA compliant plan.

3. Can owner-only groups keep their existing coverage?
The ACA does not recognize owner-only groups as eligible for employer sponsored coverage. Some carriers have indicated they will allow owner-only groups to be Grandmothered, while other carriers have stated they will not allow owner- only groups to be Grandmothered.

4. Are Grandfathered groups affected by SB 1446?
No, Grandfathered plans are not required to meet some of the guidelines of ACA, and are not affected by the provisions of this bill.

Please contact Reeva Rivkin, Rivkin Insurance Services with any questions at: 818.597-2404 or

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