Association health benefit requirements are largely determined by whether the association qualifies as a large group health plan or a small group health plan, though self-funding arrangements can further affect the nature of requirements. The new regulation on association health plans has made it easier for these plans to offer large group coverage sponsored by a group of smaller businesses as well as individuals.
Large group health plans have more freedom around what benefits must be included within the health plan and this can lead to significant savings. However, even as a large group health plan, there are still benefit requirements that can exist both at the federal and state level.
The articles below cover many of the most common benefit questions associated with large group association health plans.