Health Reform Changes
Flexible Spending Account Benefit Changes
Health Savings Account Maximum Changes
Welcome to USI's Benefits Website!
Open Enrollment for 2016 is now closed. Deadline was November 11, 2015, for changes effective January 1, 2016. Please contact a benefits staff member if you have any questions.
Looking for our current 2015 medical plans? Click
here for the Comparison Overview. You can find further details on each plan by visiting: Anthem Buy-Up, Anthem Core, and Anthem Lumenos CDHP/HSA.
For information on USI's other benefits, see the links on the left.
Health Reform Changes
Since 2011, all University Health Plans incorporated required and voluntary
Health Reform changes including: (1) coverage for enrollees’ children to age 26,
even if the young adult no longer lives with his or her parents, is not a
dependent on a parent’s tax return, or is no longer a student, or is married;
(2) no pre-existing condition exclusions for children under age 19; (3) no
lifetime maximum benefit; (4) 100% coverage for preventative care for
federally designated services.
Effective January 1, 2013, the University amended its
Plan (under Section 125) that allows for flexible spending accounts for health
expenses to lower the maximum annual contribution to $2,500, as required by the
Affordable Care Act.
Also in 2013, the University’s medical plan information for each Anthem
plan is provided in the new format required by the Affordable Care Act. Called
the Summary of Benefit Coverage (SBC), this common format will be especially
helpful to those who compare medical coverage options between two spouse’s
In 2014, the University's medical plans no longer have a pre-existing condition exclusion as required by the Affordable Care Act.
Flexible Spending Account Benefit Change
Effective January 1, 2015, the maximum annual contribution to a
Spending Account for health expenses is $2,550. Flexible Spending Accounts for dependent care expenses have an annual maximum of $5,000.
Since January 1, 2011, the cost of over-the-counter medicines are not
reimbursable through your Flexible Spending Account for
medical expenses unless
the medicine is prescribed by a physician. Some exceptions, like insulin, apply.
Changes to Health Savings Account Maximums
Effective in 2015, per IRS guidelines,
Health Savings Account maximums increase
to $3,350 for individuals and $6,650 for family coverage.