Friday, June 19, 2009

HRA's in Hot Water?

We've written extensively on the subject of healthy choices, and how these can positively affect insurance premiums. This can be especially helpful in the group arena, where employers often use a tool called a Health Risk Assessment (HRA) to help guage employees' health. This, in turn, is used by the insurer as one factor in the rate-setting process.
Some employers have gone so far as to require their employees to complete these forms as a pre-condition to participating in the group insurance program. In fact, the Department of Labor (which oversees ERISA, or self-funded, plans) actively endorses these tools as a way to help contain insurance and health care costs.
Alert Reader© Jeff M informs us that another gummint agency, the EEOC (Equal Employment Opportunity Commission) may be putting the kibosh on this little excercise:
At present, this kerfluffle is just that, "an informal discussion on HRAs and health insurance coverage;" it's not an official "cease and desist" matter.
We'll keep you posted.
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