Health sharing for small businesses
ICHRA and defined-contribution designs can include a health share as one option employees choose. That does not make the share group insurance.
Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.
Employer role
- Employers should not describe a share as a group health plan.
- Employees still need the not-insurance disclosure and a path to real insurance if they want ACA protections.
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