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ACA update

Several recent Supreme Court rulings have ACA implications.

Health insurance tax credits on Federal Exchanges

In late June, the Supreme Court ruled in favor (King v. Burwell) of the availability of health insurance tax credits on the 34 Federal Exchanges. Washington State is one of 16 states that run a State Exchange. As a result of this decision, the status quo remains – if an individual otherwise eligible for a tax credit buys health insurance on a State or Federal Exchange, the tax credit will be available.

Same-sex marriage

The Supreme Court also ruled in late June that same-sex couples have a constitutional right to marry (Obergefell v. Hodges). All state laws and court decisions banning same-sex marriage are now invalid. Because same-sex couples have been able to marry in Washington State since December 2012, this likely will have little impact for Trust membership. Same-sex married couples continue to be eligible for Trust health benefits, and members can continue to have more generous domestic partner policies than required by state law, provided the Trust has the member’s adopted policy on file.


The AWC Trust is paying the PCORI fee for Trust insured members covered in 2014. The 2014 plan year was the first year of being self-funded, and therefore the first year the Trust is responsible for the PCORI payment, due by the end of July. If you have groups covered outside of the Trust, or are covered under a HRA/FSA, check with your health plan or plan sponsor.

The fee of $2.08 per covered life funds the Patient-Centered Outcomes Research Institute, which assists, through research, patients, clinicians, purchasers and policy-makers, in making informed health decisions by advancing the quality and relevance of evidence-based medicine.

Unsure if your non-Trust insurance coverages is subject to the PCORI fee? The IRS has help for you. Click here.