Abstract

http://ssrn.com/abstract=1909999
 


 



Loopholes in the Affordable Care Act: Regulatory Gaps and Border Crossing Techniques and How to Address Them


Timothy Stoltzfus Jost


Washington and Lee University - School of Law

August 15, 2011

Saint Louis University Journal of Health Law and Policy, Forthcoming
Washington & Lee Legal Studies Paper No. 2011-16

Abstract:     
The Affordable Care Act was meant to regulate health care plans comprehensively. Most insurance reform provisions apply to individual and group coverage, including small group, large group, and self-insured plans. A number of types of insurance, however, are not covered by some or all of the ACA reforms, including grandfathered plans, early retiree plans, health care sharing ministries, excepted benefits, and short-term limited duration policies. The ACA also leaves open the possibility of “border crossing” techniques, which could allow small group or even individual plans to claim to be subject to less protective regulatory provisions governing large group plans. This article analyzes the “loopholes” in the ACA and examines what the state and federal governments can do to ensure that consumers receive the protection they are promised by the ACA.

Number of Pages in PDF File: 79

Keywords: Health Reform, Insurance, ERISA, Regulation

JEL Classification: K10, K32

Accepted Paper Series





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Date posted: August 17, 2011  

Suggested Citation

Jost, Timothy Stoltzfus, Loopholes in the Affordable Care Act: Regulatory Gaps and Border Crossing Techniques and How to Address Them (August 15, 2011). Saint Louis University Journal of Health Law and Policy, Forthcoming; Washington & Lee Legal Studies Paper No. 2011-16. Available at SSRN: http://ssrn.com/abstract=1909999

Contact Information

Timothy Stoltzfus Jost (Contact Author)
Washington and Lee University - School of Law ( email )
Lexington, VA 24450
United States
540-458-8510 (Phone)
540-458-8488 (Fax)
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