Preserving Existing Benefits and Creating New Opportunities


Employer-sponsored health coverage is the backbone of the U.S. health care system. Retailers have long-provided their employees with quality health coverage and would like to continue doing so. However, burdensome, costly and often redundant federal laws and regulations bind the hands of employers and make it more difficult to continue to provide health coverage, create jobs and grow the economy. RILA is committed to working with Congress and federal agencies to ensure that retailers can continue to provide quality, affordable health coverage that is customized to meet the specific needs of their employees.

RILA members are at the forefront of developing new innovative approaches designed to encourage preventative health, improve outcomes, and lower health care costs. RILA has been a driving force in opposition to modify the tax treatment of employer-sponsored coverage to pay for a new individual health tax credit.  RILA is also working closely with lawmakers to educate them about the problems with a Medicare-for-All or nationalized health system that eliminates employer-sponsored coverage.

Employer Reporting Requirements: 

RILA is the leader in enacting streamlined, commonsense reforms to burdensome and costly ACA employer reporting requirements.  RILA has continually stressed to lawmakers and federal regulators that the Exchange eligibility process and employer reporting requirements should be aligned to tax credit determinations.  This would provide more accurate and timely information and the regulatory burden on employers would be lessened.

Modernization of Consumer-Directed Health Products: 

Over the last several years, many RILA member companies have moved away from traditional fee-for-service plan offerings to a system coupling a health savings account (HSA) with a high-deductible health plan (HDHP).  This transition is guided by retailer’s innovative approach to customizing benefit designs and creating health plans that best meet the needs of their employees and families.  However, Congress has not substantially updated HSA laws since 2003.  RILA will continue to advocate for the modernization of HSAs that provide more flexibility and value for retail employees.  RILA supports allowing employees to access onsite or retail primary care clinics, pre-deductible coverage for chronic disease management, and opportunities to use HSAs for fitness or wellness activities.

Protecting Employees and Patients from Surprise Medical Bills:

Since the start of the 116th Congress, both the U.S. House and U.S. Senate have worked on various legislative proposals to try to stop employees, consumers, and patients from receiving surprise medical bills.  RILA supports resolving payment disputes by creating a benchmark approach that health care plans would pay providers the local median contracted commercial rate for that specific geographic area.  Employers want to protect their employees from receiving any unexpected medical bill and RILA will continue to advocate for a legislative fix that holds employees harmless for using an out-of-network provider during an emergency.

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