Regulatory Alerts2013-01-01 | Bulletin 2013-3Oregon Insurance Division Bulletin 2013-3: Association Coverage under the Affordable Care Act
The Oregon Insurance Division issues this bulletin to clarify how the Affordable Care Act eliminates state exemptions for association health coverage, requiring carriers to pool and rate such plans according to federal individual and small group market standards. Effective January 1, 2014, issuers must offer association coverage to any applicant regardless of membership status and comply with federal rating rules, thereby ending the previous exemption from guaranteed issue and renewability requirements. Additionally, issuers must notify the Division of their intent to issue ERISA large group coverage to associations within specified deadlines, as the Division will not certify large group status and refers such determinations to the U.S. Department of Labor.