RHA Contracts and Compliance

Key RHA vendors include the Health Care Policy Roundtable, Aetna and Accenture.

1. The Health Care Policy Roundtable has been created by the HR Policy Associationto develop and maintain RHA on behalf of Association members. Association members that elect to offer RHA enter into a three year agreement with the Roundtable.
2. Aetna is the exclusive national RHA carrier. Employers offering RHA also enter into a three year agreement with Aetna.
3. Accenture is under contract to Aetna. Employers that elect to take advantage of Accenture’s turnkey administrative services can do so through an amendment to their agreement with Aetna.

RHA is an ERISA plan. Each participating employers is their own RHA plan sponsor. Employers are responsible for ERISA compliance obligations such as summary plan description and 5500 reporting. Aetna is required to provide employers with certificates of coverage, which employers use to develop summary plan descriptions. Aetna is also required to provide employers with appropriate data to support 5500 reporting.

It is unclear if RHA is considered to fall under MEWA compliance obligations. However, the Health Care Policy Roundtable will submit the appropriate documents to assure RHA complies with any relevant MEWA filing requirements that might be imposed.