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Healthcare News for Small Businesses: Repeal of ACA’s Deductible Limit Provision

Learn how the repeal on high-deductible health plan limits may provide small businesses with more flexibility as they try to manage rising healthcare costs --- via CBG Benefits.On April 1st, 2014, the “Protecting Access to Medicare Act of 2014” was signed into law by President Obama. While the main provisions of the Act focus on pay rates and the ICD-10 Code conversion, there is another part that may impact your business.

Specifically, the Act eliminates the Affordable Care Act’s (ACA) annual deductible limit that applied to health plans in the small group market.

Impact of this Change

As originally implemented, the ACA included an annual deductible limit that applied to health plans offered in the small group market. Effective for 2014 plan years, the annual deductible maximum was set as:

  • $2,000 for self-only coverage
  • $4,000 for family coverage

However, by repealing this rule and removing the limit, small employers may now have a bit more flexibility to control premium costs by selecting a health plan with a higher deductible.

Is a High-Deductible Plan Right For Your Company?

As companies of all sizes look to manage rising healthcare costs, the decision to move to a high-deductible plan may not necessarily be an easy one.

Employers may be wary as to how such a move would be looked at by employees. However, the move to a consumer-directed approach to healthcare is a solution that must be considered.

By taking a strategic approach, we have helped many businesses implement high-deductible health plans successfully. This goes far beyond simply selecting a plan. It is essential that employers also:

  • Prepare a communication strategy that includes surveys, face-to-face meetings, presentations, webinars, and more
  • Put together educational materials about items such as Health Savings Accounts (HSAs), including case studies, FAQs, and more
  • Implementing and promoting a formal workplace wellness program

Yes, these steps require time and resources. But with the help of the right partner, the effort can lead to financial savings for an employer and more control and options for employees.


Are you wondering if a high-deductible health plan is right for your business? Would you like to learn how CBG Benefits can help you to implement one successfully?

Please call us at 877-332-6387 or leave a message via our contact form.


Photo Credit: FutUndBeidl via Compfight cc

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