Rule 120-2-96-.02. Categories of Products Allowed as High Deductible Health Plan in Wellness Program

Under this Rule, a health insurance policy, which satisfies Internal Revenue Code requirements for a High Deductible Health Plan, may be used by an insurer in connection with a Wellness Program and with a Health Savings Account program.

Health insurance product categories include, without limitation:

1. (1) Comprehensive or major medical health insurance products offered by Life, Accident and Sickness Insurers or Property and Casualty Insurers;
2. (2) Comprehensive or major medical health coverage products styled and appropriately disclosed as health maintenance organization coverage when offered by a licensed HMO;
3. (3) Preferred Provider Organization comprehensive or major medical health coverage products offered by insurers of any applicable licensure type;
4. (4) Point of Service comprehensive or major medical health insurance coverage products (when offered by licensed insurers in connection with approved HMO products); or

5. (5) Other comprehensive or major medical health insurance products which do not violate IRS Rules for High Deductible Health Plans under Section 223 of the Internal Revenue Code or related IRS Rules and Regulations.

   Filings of product types described in (1) through (5) above may be reviewed and considered for approval by the Commissioner. Such product filings may also be considered for favorable treatment under Georgia provisions relating to taxation and relief from unfair trade practice provisions regarding rebating or illegal inducements with respect to wellness program benefits under O.C.G.A. Sections 33-51-2 and 33-51-4.

Authority: O.C.G.A. Secs. 33-2-9, 33-8-8.2, 33-51-3, 33-51-4.

History. Original Rule entitled "Categories of Products Allowed as High Deductible Health Plan in Wellness Program" adopted. F. Oct. 20, 2009; eff. Nov. 9, 2009.