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The Department of Health and Human Services has now issued
its final guidelines on how to rebate money from insurance carriers that fail
to reach the Medical Loss Ratio (MLR) standards. Health Savings Accounts (HSAs),
which help so many of us pay for complementary and alternative medical
treatments not covered by regular insurance, may be forced out of the
Under the new guidelines, any payment for a healthcare service
that an individual or family makes -- that is, any payment that’s part of the
deductible -- doesn’t count toward the MLR, so plans with high deductibles will
never meet the plan eligibility requirements. That means insurance companies
will stop offering them.
Please contact Congress and ask them to intervene, and
provide protection for HSAs.
(Please personalize your message if you have the time!)
Dear [Decision Maker],
Sincerely,[Your Name] [Your Address] [City, State ZIP]