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Working with the AIA Trustees (who are AIA members), I know that they share your frustration with the challenges that individuals and small firms have with obtaining quality and affordable health insurance.
As of today, there is not yet an association group plan nor customized health plans that the AIA Trust can offer to AIA members-but the AIA Trust is continuing to monitor the situation in the event that changes. The continuing Affordable Care Act (ACA) still defines only two ways in which someone can purchase private insurance: through their employer or as an individual. Currently membership associations cannot band together and purchase health insurance on behalf of their members, and until that changes, there are no immediate plans with association group pricing that the AIA Trust (or anyone) can offer to individual members. However, the Department of Labor (DOL) announced regulations on June 19, 2018, which expand the definition of Association Health Plans (AHPs). This expansion applies to firms and the self-employed (working owners).
The Trustees are committed to finding a healthcare solution as soon as possible. We are working in conjunction with our independent consultant, the AIA Small Firm Exchange, and an insurance agency to explore the potential new options that are permissible for association plans under the new DOL guidance.
However, a fully insured AHP option is dependent on the insurance companies obtaining approvals from the various states and offering such products in the marketplace. The DOL guidance clearly reaffirms the regulatory oversight authority of each state and the approval timelines vary greatly among the states. There is also a question of how many insurance companies will offer these products. To date, United HealthCare has expressed an interest and our team has ongoing discussions with their representatives.
As we have updates on this topic, we will share them on our AIA Trust website: http://www.theaiatrust.com/healthcare-coverage/. We also regularly update our page of healthcare resources found here: http://www.theaiatrust.com/healthcare-coverage/national-healthcare-reform/. In addition, you can sign up for the quarterly AIA Trust newsletter, Managing Your Risks, here: http://www.theaiatrust.com/news/ which will continue to publish healthcare coverage updates.