The same cannot be said for health insurance Pennsylvania as Pennsylvania legislatures continue to battle the constitutionality of the law. This law requires everyone to purchase health coverage.

Health insurance Virginia is also battling along side of Pennsylvania against the health law. This law was actually found to be unconstitutional the other day in the US court system. Many states were battling the law besides just Pennsylvania and Virginia. So far they seem to be winning the battle.

The reinsurance program applies to employer-sponsored fully insured and ASO plans that offer health benefits to retirees age 55 to 64 years old, but not Medicare-eligible, and their spouses and covered dependents. It allows plans to be reimbursed for 80 percent of certain claim expenses per individual per plan year.

The following are key points from the interim final rules:

1. Claim expenses incurred prior to June 1 for the current plan year as of June 1, will count toward the threshold of $15,000; however, only claim expenses incurred on or after June 1 will count toward the limit for the plan year for a given individual.
2. Plans may be reimbursed for 80 percent of certain claims between $15,000 and $90,000.
3. The program will end on Jan. 1, 2014, or when the $5 billion funding runs out, whichever occurs first.
4. Employers must use reimbursements to reduce the cost-sharing requirements of participants in early retiree plans and/or to reduce plan expenses to provide the coverage.
5. Applications will be available in late June 2010 and HHS will certify, through the applications, the plans eligible to participate in the program.
6. Eligible program claims include: medical, surgical, hospital, and prescription drug.
7. Claims paid for diagnosis, care, mitigation or prevention of physical or mental diseases or conditions are eligible for reimbursement.