Ohio Health Insurers Must Continue to Cover Employees During COVID-19 Pandemic and Provide Employers the Option to Defer Paying Health Insurance Premiums

Employee Benefits & Executive Compensation

On March 20, 2020, the Ohio Department of Insurance issued Bulletin 2020-03 requiring healthcare insurance providers (including stop-loss insurance providers) in Ohio to allow employers to continue covering employees even if those employees would otherwise be ineligible due to a decrease in hours, regardless of any “actively at work” or similar eligibility requirements.

In addition, health insurers are required to provide insureds with the option to defer paying health insurance premiums, interest free, for up to 60 days from the original due date.

Insurers also are prohibited from increasing premiums based on an employer group’s decreased enrollment or participation due to the COVID-19 pandemic.

The order applies to health plan issuers in Ohio, including:

  • insurance companies,
  • stop-loss insurers,
  • health insuring corporations,
  • Multiple Employer Welfare Arrangements (also known as MEWAs),
  • non-federal governmental health plans, and
  • any other business transacting in the business of health benefit insurance in the State of Ohio.

Calfee invites you to visit our COVID-19 Resource Center containing First Alerts to help guide you through the challenges faced by individuals and organizations as a result of the novel coronavirus outbreak. We are committed to helping you meet the diverse and complex challenges and navigate the disruptions caused by this pandemic. Please check the COVID-19 Resource Center regularly for the latest updates, or subscribe to receive the most up-to-date Alerts sent directly to your email inbox.

Please contact your Calfee attorney, or one of the attorneys below if you have any questions on how the Department’s order might affect your health insurance plan.


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