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Employers that offer health benefits to their employees may decide to implement wellness plans as a way to help control health plan costs and encourage healthy lifestyles. However, there are a number of legal compliance issues that are involved with designing workplace wellness plans. Wellness plans must be carefully structured to comply with both state and federal laws. The three main federal laws that impact the design of wellness plans are:
The Health Insurance Portability and Accountability Act (HIPAA);
The Americans with Disabilities Act (ADA); and
The Genetic Information Nondiscrimination Act (GINA).
These laws each have their own set of legal rules for acceptable wellness program design, which are not always consistent with one another. This Compliance Overview provides an overview of the requirements for wellness plans under HIPAA, the ADA and GINA. See Page 8 for a chart that compares key wellness plan requirements under these three laws.
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