By: Lois Mathis-Glea​​son, CEBS

The Affordable Care Act (ACA) gave health plans an extraordinary amount of new reporting and disclosure requirements. However, one preexisting requirement (pun intended) will disappear beginning January 1, 2015: The HIPAA Certificate of Creditable Coverage.  


​​Health plans had to provide these certificates to individuals losing health coverage so the individuals could prove they had creditable health coverage, reducing or eliminating any preexisting condition exclusion periods in the next health plan they joined. Starting with plan years beginning on or after January 1, 2014, the ACA prohibited preexisting exclusion periods for all health plans (grandfathered and nongrandfathered). As a result, no certificates of creditable coverage need to be issued on or after December 31, 2014.

 [Related: Watch for new ACA FAQs added weekly in ACA University]

Health plans should continue providing these certificates to individuals whose coverage terminates before December 31, 2014, in case anyone needs to offset a preexisting condition exclusion when joining a noncalendar health plan during a plan year that began before January 1, 2014.​

So, at your 2014 New Year’s Eve party, feel free to sing “Auld Lang Syne” to HIPAA certificates of creditable coverage, thanks to the Affordable Care Act! (But don’t forget to usher in that pesky “Play or Pay” employer mandate along with the 2015 new year.)

Note: Employers may need to provide proof of coverage and ending date for employees over age 65 (or disabled and under 65) who delayed enrolling in Medicare Part B so they can avoid penalties when they do enroll.
For purposes of Medicare drug coverage (Medicare Part D), employers must continue notifying Medicare eligible policyholders whether their prescription drug coverage is creditable coverage, which means that the coverage is expected to pay on average as much as the standard Medicare prescription drug coverage. See the CMS web page on Creditable Coverage for more information.​


Ninety-Day Waiting Period Limitation and Technical Amendments to Certain Health Coverage Requirements Under the Affordable Care Act, Final Rule, Federal Register, February 24, 2014


Lois Gleason, CEBS

Senior Information/Research Specialist

Favorite Foundation service/product: The Employee Benefits Survey (conducted every few years; it is very comprehensive)

Benefits-related topic top picks: Affordable Care Act, multiemployer pension plans

Favorite Foundation conference moment: Working the bookstore/information center at the Employee Benefit Symposium and meeting our members

Personal Insight: When she’s away from work, Lois likes to dive into  19th century Brit lit novels by Dickens, Eliot, Hardy and the Bronte sisters. These works are spicy and action-packed when compared to the employee benefit rules and regulations she reviews all day.

Recommended Posts

FAQs on Workplace Emergency Savings Accounts Under SECURE 2.0  

Jenny Gartman, CEBS

The U.S. Department of Labor (DOL) Employee Benefits Security Administration (EBSA) has issued FAQs on optional pension-linked emergency savings accounts (PLESAs) as part of the implementation of the SECURE 2.0 Act of 2022 (ERISA section 801). SECURE 2.0 authorized 401(k), 403(b) and governmental […]

Foundation Survey Results–Focus on Mental Health Initiatives in Apprenticeship Programs

Justin Held, CEBS

The International Foundation just released Top Trends in Apprenticeship Programs—2024 Survey Results, the 8th iteration of their apprenticeship program benchmarking survey. In addition to focusing on trends, such as individual and program challenges, life skills, and partnerships, this iteration takes a deep […]