Certain safe harbor plan designs will automatically satisfy ACA’s minimum value requirement. The following plan designs are proposed as safe harbors:
- $3,500 medical and drug deductible, 80 percent plan cost sharing and $6,000 maximum out-of-pocket limit for employee cost-sharing
- $4,500 medical and drug deductible, 70 percent plan cost sharing, $6,400 maximum out-of-pocket limit and $500 employer contribution to an HSA
- $3,500 medical deductible, $0 drug deductible, 60 percent plan medical expense cost-sharing, 75 percent plan drug cost-sharing, $6,400 maximum out-of-pocket limit and drug copays of $10/$20/$50 for the first, second and third prescription drug tiers, with 75 percent coinsurance for specialty drugs.
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