There is a notable trend nationwide to restrict or prohibit wellness benefits in supplemental health insurance – also known as excepted benefits products, such as accident-only policies, hospital indemnity, specified disease and disability income policies. These products traditionally provide benefits that are not covered under comprehensive health insurance. In this article, we discuss how insurers can navigate the regulatory landscape.

We discuss:

• Regulation of excepted benefits products and state variations
• Three statespecific approaches to regulation of wellness benefits
• Impact of the recent federal triagency ruling
• Key considerations for insurers

The article appeared in the October issue of Voluntary Benefits Voice Magazine, published by industry trade group Voluntary Advantage. The article begins on page 15 of the published PDF.