You have probably seen the headlines stating that Obamacare’s contraceptive coverage mandate has been changed. This article explains the scope of the recent changes and how they impact employers.
Before the recent legal changes, the Affordable Care Act (ACA) required employer-sponsored group health plans to cover all FDA-approved contraceptive methods unless one of these three exceptions applied:
The recent legal changes do not affect the first two exceptions, which remain. The recent changes, which are immediately effective, make the religious accommodation process voluntary and extend the exceptions to include many companies with religious or moral objections to coverage for some or all contraceptives. The changes also permit, but do not require, an employer to allow individual employees with religious or moral objections to coverage for some or all contraceptives to have health coverage that does not include contraceptive coverage the individual finds objectionable.
These changes are discussed below.
What employers should do now
For more information about the contraceptive mandate or other employee benefit issues, contact us.
Sarah provides employer-focused guidance on human resource matters. With an emphasis on employee benefits and the Affordable Care Act, she distils the complexity of employment laws into understandable action items that meet a client’s business goals.
Sarah provides employer-focused guidance on human resource matters. With an emphasis on employee benefits and the Affordable Care Act, she distils the complexity of employment laws into understandable action items that meet a client’s business goals. During previous private practice experience, Sarah handled numerous complex benefit matters, including the transition of benefit plans in large corporate acquisitions, de-risking solutions in pension plans, contested health plan claims, DOL and IRS audits and the implementation of ACA-compliant health plan solutions. Sarah graduated from University of Wisconsin Law School, with a Bachelor of Arts degree from Grinnell College.
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