{"id":6006,"date":"2018-06-22T11:15:34","date_gmt":"2018-06-22T15:15:34","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=6006"},"modified":"2019-01-02T11:08:52","modified_gmt":"2019-01-02T16:08:52","slug":"2018-association-health-plan-information","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/2018-association-health-plan-information\/","title":{"rendered":"2018 Association Health Plan Information"},"content":{"rendered":"
What are Association Health Plans (AHPs)?<\/strong> While the idea of association health plans (AHPs) is to give more flexible options to individuals and sole proprietors, there are many who counter that there was widespread fraud and insolvency when these types of plans were around in years past. While they promise to bring down cost, they will likely also remove some of the protections and coverage features required of current affordable care act policies, which could ultimately end up reducing their allure.<\/p>\n We believe that the ultimate beneficiary of these plans will be individuals, owner only businesses, and sole proprietors who are now stuck with quasi \u2018expanded Medicaid\u2019 plans that do not offer much doctor choice and severely limit the hospitals they can go to.<\/p>\n Small Businesses in NY are comprised of groups with 1-100 employees, and these businesses won\u2019t likely benefit from these AHPs because they are already \u2018pooled together\u2019 with other businesses to get the lowest rates possible. It is the sole proprietors, businesses without a common law employee, and individuals who will benefit from more choice of plans and providers under AHPs.<\/p>\n Please check back often as we will be updating this page as we get new information. NY has sued to block this new Executive Order, so we are sure there will be many updates to come.<\/p>\n","protected":false},"excerpt":{"rendered":" What are Association Health Plans (AHPs)? \u2022 Association Health Plans (AHPs), under the Department of Labor\u2019s rule, are group health plans that associations will offer to provide health coverage for mostly sole proprietors, owner only groups, and individuals. \u2022 AHPs allow these very small employers and individuals to band together to purchase the types of […]<\/p>\n","protected":false},"author":5,"featured_media":5806,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[345,339],"tags":[463,579,34,38,286,582,224,287,61,260,580,583,581],"class_list":["post-6006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-individual-health-insurance","category-small-business-health-insurance","tag-2018-health-insurance-options","tag-association-health-plans","tag-health-care-reform","tag-health-insurance-broker-suffolk","tag-long-island-health-insurance-broker","tag-ny-association-health-plans","tag-ny-group-health-insurance","tag-ny-group-health-insurance-broker","tag-ny-health-insurance-broker","tag-ny-individual-health-insurance","tag-ny-sole-proprietors-health-insurance","tag-owner-only-health-insurance-options","tag-sole-proprietor-health-insurance"],"yoast_head":"\n
\n\u2022\tAssociation Health Plans (AHPs), under the Department of Labor\u2019s rule, are group health plans that associations will offer to provide health coverage for mostly sole proprietors, owner only groups, and individuals.
\n\u2022\tAHPs allow these very small employers and individuals to band together to purchase the types of coverage that are available to small and large employers, which can be less expensive and better tailored to their needs vs current options.
\n\u2022\tThe rule allows more associations to form AHPs, based on common geography or industry.
\n\u2022\tFor the first time, working owners without other employees (including sole-proprietors) and their families will be permitted to join AHPs, creating a new path for these hardworking Americans to access affordable, quality health coverage. Currently, most partnerships, sole proprietors, and owner only businesses are forced into the Individual Health Insurance market, which limits their choice of carrier and provider network.<\/p>\n