MEWA Madness
The percentage of common ownership necessary amongst entities to avoid MEWA status.
What is 80%
A pretax savings account used for qualified medical expenses, but if you don't use the funds by the end of the plan year, you generally lose them.
What is a FSA, HCFSA or Health FSA?
As H&WCS presented in the "Wellness Program Gotchas" webinar last year, the key to the complex wellness plan rules is this.
What is know when to contact/engage with the experts (H&WCS)?
This PPT is the "Fight Club" of MMA: we don't talk about it and we don't share it externally.
What is the No Fly List?
These are the special enrollment events.
What are marriage, birth, adoption and loss of coverage?
This federal agency provides oversight along with state departments of insurance.
What is the Department of Labor?
This document provides a detailed explanation of a benefit plan's provisions, rights, and responsibilities, which employers are required to provide to participants.
What is an SPD?
This term describes a group of small, unrelated employers who band together to offer health benefits, similar to a large company.
What is a MEWA?
This platform replaced Chatter in 2025.
What is Viva Engage?
Spouse open enrollment allows the employee to make any changes he or she wants. True or False.
What is FALSE? Spouse open enrollment only allows the employee to leave the plan. It does not create a special enrollment opportunity.
This MMA team will help you determine if the entities have common ownership.
What is H&WCS? Formerly Compliance COE
This employer-funded account is used to reimburse employees for qualified medical expenses and is not a savings account owned by the employee.
What is an HRA?
Courts often treat inconsistencies between these two documents in favor of the employee.
What is the plan document and the SPD?
This is a big reason Marsh McLennan entities are combining into Marsh.
What is advertising?
Unless it can be shown that the employee could not have benefitted from the election, this is not a reason to allow a mid-year change to pre-tax elections.
What is a mistaken election?
How many Ironwood babies were born in 2025?
What is four?
This act was signed into law in 2010 with the primary goal of increasing the number of Americans with health insurance.
What is ACA or PPACA?
This state does not require employers to provide MCC but employers must communicate MCC status to employees who are residents of this state.
What is Massachusetts?
Name the application that houses the health management request form.
What is SmartSheet?
Most special enrollment events require the employee to come forward within 30 or 31 days to enroll except this, which allows 60 days.
This state prohibits self-funded MEWAs.
What is California?
This act was signed into law in 2008 with the goal of making it as easy to get treatment for conditions like addiction or depression as it is for a broken bone or heart disease?
What is MHPAEA?
Starting December 24, 2025, the United States Post Office changed the definition of the post mark date. The date now reflects the date of the first automated processing operation instead of this.
What is the date the mail was dropped off?
Who is the current Director of Compliance / person who leads H&WCS team?
Who is Anne Hensley?
The Biden era Marketplace subsidies expired on 12/31/2025. This means anyone who had individual coverage and wants to get back on employer coverage because it is cheaper can do so. True or False.
What is FALSE? Voluntarily cancelling Marketplace coverage due to the increased cost does not create a special enrollment event to enroll in a group health plan. The person must wait until the next open enrollment period or until there is a special enrollment event like marriage, birth, adoption or loss of coverage. Loss of coverage means loss of eligibility for coverage.