42 U.S.C. § 300gg–21 — Exclusion of certain plans
submitted 82 years ago by Pub. L. 104-191 to r/title-42-THE-PUBLIC-HEALTH-AND-WELFARE · 1,124 words · no verdicts yet
Most insurance rules in this part apply fully to group health plans and their coverage. Government employer plans can sometimes opt out for a period, but never for genetic-information protections — and that opt-out option ends after 2022. Certain limited benefits, like standalone dental coverage, are excused from these rules under specific conditions.
(a) Limitation on application of provisions relating to group health plans.
(1) In general. The requirements in this part generally apply to group health plans only (A) for a nonfederal governmental plan*, subject to paragraph (2), and (B) for health insurance coverage* sold in connection with a group plan (including a church or governmental plan).
(2) Treatment* of non-federal governmental plans.
(A) Election to be excluded. Except as (D) and (E) say, the sponsor of a nonfederal governmental group plan can elect (in a form the Secretary* sets by regulation) to exempt the plan from requirements that apply directly to plans (not just to the insurance coverage), for a limited time.
(B) Period of election. This election lasts either (i) for one specified plan year, or (ii) for the term of a collective bargaining agreement. A plan-year election can be renewed through later elections.
(C) Notice to enrollees. Under this election, the plan must (i) tell enrollees, every year and at enrollment, about the election and what it means, and (ii) still certify and disclose creditable coverage* as required.
(D) Election not applicable to genetic information* requirements. A plan cannot use this election to avoid the genetic-information protections in the relevant nondiscrimination provisions.
(E) Election not applicable. The election is also unavailable for certain other listed provisions.
(F) Sunset of election option. (i) No new election covering section 300gg–26 of this title can be made on or after December 29, 2022, and — except for the exception below — no such election expiring on or after 180 days after that date can be renewed. (ii) A collectively bargained plan under multiple agreements of different lengths, with a section 300gg–26 election in effect as of December 29, 2022 that expires on or after 180 days after that date, may extend the election until its last agreement's term ends.
(b) Exception for certain benefits. This part's requirements do not apply to coverage or a group plan's provision of the "excepted benefits*" described in section 300gg–91(c)(1) of this title.
(c) Exception for certain benefits if certain conditions are met.
(1) Limited excepted benefits. These requirements don't apply to the excepted benefits described in section 300gg–91(c)(2) of this title if the benefits (A) are provided under a separate policy or contract, or (B) are not otherwise an integral part of the plan.
(2) Noncoordinated excepted benefits. These requirements don't apply to the excepted benefits described in section 300gg–91(c)(3) of this title if: (A) they're provided under a separate policy; (B) they aren't coordinated with any exclusion under a group plan from the same sponsor; and (C) they're paid regardless of whether a group plan from the same sponsor (or, for individual coverage, the same issuer) also covers the same event.
(3) Supplemental excepted benefits. These requirements don't apply to the excepted benefits described in section 300gg–91(c)(4) of this title if they're provided under a separate policy.
(d) Treatment of partnerships. For this part:
(1) A plan, fund, or program that a partnership sets up to give medical care to its partners, former partners, or their dependents is treated as a group health plan*, even if it wouldn't otherwise count as one.
(2) "Employer*" for a group plan also includes the partnership itself, as to any partner.
(3) "Participant*" for a group plan also includes (A) a partner in a plan the partnership maintains, or (B) a self-employed person who maintains a plan covering their employees, if that person is or may become eligible for a benefit, and their beneficiaries.
The requirements of subparts 1 and 2 1 and part D shall apply with respect to group health plans only—
subject to paragraph (2), in the case of a plan that is a nonfederal governmental plan*, and
with respect to health insurance coverage* offered in connection with a group health plan* (including such a plan that is a church plan* or a governmental plan).
Except as provided in subparagraph (D) or (E), if the plan sponsor* of a nonfederal governmental plan which is a group health plan* to which the provisions of subparts 1 and 2 1 otherwise apply makes an election under this subparagraph (in such form and manner as the Secretary* may by regulations prescribe), then the requirements of such subparts insofar as they apply directly to group health plans (and not merely to group health insurance coverage) shall not apply to such governmental plans for such period except as provided in this paragraph.
An election under subparagraph (A) shall apply—
for a single specified plan year, or
in the case of a plan provided pursuant to a collective bargaining agreement, for the term of such agreement.
An election under clause (i) may be extended through subsequent elections under this paragraph.
Under such an election, the plan shall provide for—
notice to enrollees (on an annual basis and at the time of enrollment under the plan) of the fact and consequences of such election, and
certification and disclosure of creditable coverage* under the plan with respect to enrollees in accordance with section 2701(e).1
The election described in subparagraph (A) shall not be available with respect to the provisions of subsections (a)(1)(F), (b)(3), (c), and (d) of section 2702 1 and the provisions of sections 2701 1 and 2702(b) 1 to the extent that such provisions apply to genetic information.
The election described in subparagraph (A) shall not be available with respect to the provisions of subparts I and II.
Notwithstanding the preceding provisions of this paragraph—
no election described in subparagraph (A) with respect to section 300gg–26 of this title may be made on or after December 29, 2022; and
except as provided in clause (ii), no such election with respect to section 300gg–26 of this title expiring on or after the date that is 180 days after December 29, 2022, may be renewed.
Notwithstanding clause (i)(II), a plan described in subparagraph (B)(ii) that is subject to multiple agreements described in such subparagraph of varying lengths and that has an election described in subparagraph (A) with respect to section 300gg–26 of this title in effect as of December 29, 2022, that expires on or after the date that is 180 days after December 29, 2022, may extend such election until the date on which the term of the last such agreement expires.
The requirements of subparts 1 and 2 1 and part D shall not apply to any individual coverage or any group health plan (or group health insurance coverage) in relation to its provision of excepted benefits* described in section 300gg–91(c)(1) of this title.
The requirements of subparts 1 and 2 1 and part D shall not apply to any individual coverage or any group health plan (and group health insurance coverage offered in connection with a group health plan) in relation to its provision of excepted benefits described in section 300gg–91(c)(2) of this title if the benefits—
are provided under a separate policy, certificate, or contract of insurance; or
are otherwise not an integral part of the plan.
The requirements of subparts 1 and 2 1 and part D shall not apply to any individual coverage or any group health plan (and group health insurance coverage offered in connection with a group health plan) in relation to its provision of excepted benefits described in section 300gg–91(c)(3) of this title if all of the following conditions are met:
The benefits are provided under a separate policy, certificate, or contract of insurance.
There is no coordination between the provision of such benefits and any exclusion of benefits under any group health plan maintained by the same plan sponsor.
Such benefits are paid with respect to an event without regard to whether benefits are provided with respect to such an event under any group health plan maintained by the same plan sponsor or, with respect to individual coverage, under any health insurance coverage maintained by the same health insurance issuer*.
The requirements of this part and part D shall not apply to any individual coverage or any group health plan (and group health insurance coverage) in relation to its provision of excepted benefits described in section 300gg–91(c)(4) 1 of this title if the benefits are provided under a separate policy, certificate, or contract of insurance.
For purposes of this part and part D—
Any plan, fund, or program which would not be (but for this subsection) an employee* welfare benefit plan and which is established or maintained by a partnership, to the extent that such plan, fund, or program provides medical care (including items and services paid for as medical care) to present or former partners in the partnership or to their dependents (as defined under the terms of the plan, fund, or program), directly or through insurance, reimbursement, or otherwise, shall be treated (subject to paragraph (2)) as an employee welfare benefit plan which is a group health plan.
In the case of a group health plan, the term “employer” also includes the partnership in relation to any partner.
In the case of a group health plan, the term “participant*” also includes—
in connection with a group health plan maintained by a partnership, an individual who is a partner in relation to the partnership, or
in connection with a group health plan maintained by a self-employed individual (under which one or more employees are participants), the self-employed individual,
if such individual is, or may become, eligible to receive a benefit under the plan or such individual’s beneficiaries may be eligible to receive any such benefit.
Source credit: (July 1, 1944, ch. 373, title XXVII, § 2722, formerly § 2721, as added Pub. L. 104–191, title I, § 102(a), Aug. 21, 1996, 110 Stat. 1967; amended Pub. L. 104–204, title VI, § 604(b)(1), Sept. 26, 1996, 110 Stat. 2940; Pub. L. 110–233, title I, § 102(c), May 21, 2008, 122 Stat. 895; renumbered § 2735, renumbered § 2722, and amended Pub. L. 111–148, title I, §§ 1001(4), 1563(a), (c)(12), formerly § 1562(a), (c)(12), title X, § 10107(a), (b)(1), Mar. 23, 2010, 124 Stat. 130, 264, 268, 911; Pub. L. 116–260, div. BB, title I, § 102(a)(3)(B), Dec. 27, 2020, 134 Stat. 2772; Pub. L. 117–328, div. FF, title I, § 1321, Dec. 29, 2022, 136 Stat. 5697.)
- 1944Enacted · Pub. L. 104-191 · 110 Stat. 1967
- 1996Amended · Pub. L. 104-204 · 110 Stat. 2940
- 2008Amended · Pub. L. 110-233 · 122 Stat. 895
- 2010Amended · Pub. L. 111-148 · 124 Stat. 130, 264, 268, 911
- 2020Amended · Pub. L. 116-260 · 134 Stat. 2772
- 2022Amended · Pub. L. 117-328 · 136 Stat. 5697
A history note hasn’t been published yet. The record shows enactment by Pub. L. 104-191 on 1944-07-01.
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