Health Care Reform

Preventive Care

For plan years beginning on or after September 23, 2010, non-grandfathered health plans cannot require cost-sharing (such as copayments or deductibles) for preventive care services that are specified by the Federal government, including immunizations. The list of specified preventive care services is expected to be updated periodically and plans must comply for plan years beginning on or after one year after the new recommendation or guideline is published.

Note: The requirement to cover preventive care only applies to certain types of health plans, such as major medical insurance. It does not apply to HIPAA excepted benefits, such as disability, cancer, hospital indemnity, or accident insurance. Click here for more information about the types of benefits that are exempt from the ACA plan design mandates.

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American Fidelity Assurance Company does not provide tax or legal advice.


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