HCPR - Frequently Asked Questions

Can an employer pay a portion of an employee’s individual health insurance premium?

Can an employer pay a portion of an employee’s individual health insurance premium?
No, an employer can not pay a portion of an employee’s individual health insurance premium. The employee retains the responsibility for paying their insurance premiums, but they will be reimbursed for their premiums once the expense has been adjudicated. Essentially this allows employees to obtain their own health care insurance and have the option to pay for it on a pre-tax basis through payroll.

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Why do employees have to show proof of insurance every month?
Employees must provide monthly proof of payment ensure that they meet the following requirements to be eligible for the HCPR plan:

• The policy must be an individual or family plan and cannot be part of an employer-sponsored group insurance plan.
• It is recommended that the employee participating in the HCPR be named as the policyholder
• The policy must be paid for by direct payments from the employee who owns the policy or through a list bill from the insurance carrier.

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Can employees change elections during the plan year?
No, unless there is a change in the participant’s status or other qualifying event as defined by the IRS. This also includes a significant change in the cost of coverage or when there has been a change in provider.

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