Can agents sell non-Planstin ICHRAs alongside Planstin MECs?
Can the agent offer groups MEC + Zion plans alongside non-Planstin ICHRAs?
NO. Employers of any size can offer ICHRAs. Employers offering this option cannot also offer group plans or other types of HRAs (such as QSEHRAs or EBHRAs) alongside the ICHRA to the same people.
ICHRAs can be combined with other plans, but these must be individual plans or Medicare. Planstin offers group plans, not individual health plans, so these cannot be combined.
Can the agent offer ICHRAs alongside any other Planstin plans?
YES. ICHRAs can be offered alongside our dental and vision plans since these are considered excepted benefit plans.
Can the agent offer non-Planstin ICHRAs to the group and then offer Planstin MEC + Zion to group members who waive the ICHRA option?
NO. We have already established that both plans cannot be offered to the same people. The appropriate way to offer both plans to a group is to separate the whole group by benefits classes. We cannot allow the whole group to be separated by individuals’ benefits preferences.
Can the agent offer non-Planstin ICHRAs and Planstin MECs to the same employer?
YES. There are allowances for this, and this is useful for employers who want to extend different benefits to different sets of employees. The agent and employer should understand benefits classes in order to determine what the options are.
- Employees in each benefits class can only be offered one plan. An employer cannot offer both options to the same benefits class.
- When an employer offering a group plan offers ICHRAs to another class of employees, certain classes being offered ICHRAs must meet class size minimums.
As an example: On site employees may be in a separate benefits class from remote employees. The employer can offer the group plan to on site employees and the ICHRA to remote employees.
Generally, can Planstin MECs be offered alongside other medical plans?
YES.
Sources
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https://myameriflex.com/resources/guides/ichra-the-ultimate-guide/#:~:text=Employers%20of%20any%20size%20are%20eligible%20to%20offer%20ICHRA%3B,be%20fair%20across%20employee%20classes
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https://www.takecommandhealth.com/blog/group-plans-ichra-ebhra
- https://www.peoplekeep.com/individual-coverage-hra-ichra