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Understanding Section 125 Qualifying Events, HIPAA Special Enrollment Rights and Marketplace Special Enrollment Periods
It’s a topic that always garners questions: Section 125 qualifying events. When an employer permits an employee to pay pre-tax dollars for health benefits, the employee cannot change that election mid-year without experiencing a qualifying event and only if the employer has adopted the optional Section 125 event permitting the change. Unless, of course, the event qualifies as a HIPAA special enrollment right, in which case the employer must allow the election change (such as in the event of a marriage, birth and adoption, among others).
With the recent rollout of the health insurance marketplaces, this discussion gets even more complicated when considering the new special enrollment periods, which are not governed under Section 125 rules. Join us for an in-depth discussion on when employees and exchange individuals are able to make election changes, what type of changes are consistent with an event and when that change should be effective. As part of the webinar, we will also examine the availability of coverage options for existing COBRA beneficiaries through the marketplaces.
The session will be recorded and the slides and webinar recording will be posted online at www.nahu.org
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Kentucky Association of Health Underwriters 