The impact to your health insurance costs and benefits, including out-of-pocket expenses and deductibles, will depend on your group’s business size and grandfathered status. For small businesses, it also depends on your employee demographics, including their ages. With the additional benefits and new federal fees and taxes mandated by the Affordable Care Act, your cost may increase, perhaps a great deal.

  • New mandated fees and taxes may increase your cost.
  • Plans with lower monthly costs may have increasingly high deductibles that can still make health care unaffordable for those who need it most.

For further information about the impact of ACA on your health plan benefits, please refer to the current version of your HMAA plan documents by obtaining them from your health plan administrator or through your Online for Members account.

All of HMAA’s health plans meet the minimum actuarial value and essential coverage requirements under ACA.