Affordable Care ACT (ACA)

Affordable Care Act (ACA)

The Trustees of the Electrical Welfare Trust Fund recognize and are concerned about the upcoming responsibility on the part of the participating Employers to fulfill their obligations under the Affordable Care Act. While the Trustees have no legal responsibility to assist in this effort, it is for the benefit of the Employers that they have agreed to do so. The materials provided below represent a few of the thousands of references to ACA on the internet. However, we have identified these materials as directly relating to the responsibilities of the Employers in multiemployer plans such as the EWTF.


The Segal Company’s Senior Vice President Andrew Sherman discusses the implications of the availability of health care exchanges for multiemployer plan participants, trustees, and contributing employers.

Employer Shared Responsibility – Information from the International Foundation of Employee Benefit Plans




Patient Protection and Affordable Care Act (PPACA)

Certain aspects of this healthcare reform law apply to the Electrical Welfare Trust Fund. Changes to the terms of the Plan required by the Patient Protection and Affordable Care Act and related changes to the Plan adopted by the Board of Trustees are listed here.

Essential Health Benefits

This term was created by PPACA and the definition can be found in Section 1302. The term includes items and services covered within the following categories:

  • ambulatory patient services;
  • emergency services;
  • hospitalization;
  • maternity and newborn care;
  • mental health and substance abuse disorder services;
  • prescription drugs;
  • rehabilitative and habilitative services and devices;
  • laboratory services;
  • preventive and wellness services and
  • chronic disease management; and,
  • pediatric services including oral and vision care.

Participants do not gain these benefits if they do not have them in their current Plan of Benefits (i.e., House Wiremen do not have mental health/substance abuse except 8 free visits through BHS, prescription drugs or vision care).

At this time the government has not issued any examples of what expenses are non-essential health benefits.

Health Care Exchanges Open

Visit the website to find out if you meet the criteria to buy coverage on the exchanges. If you are losing coverage with the Electrical Welfare Trust Fund (EWTF) due to:

  • reduction in hours
  • termination of employment
  • no longer meeting the Plan’s definition of a spouse
  • reaching the age limit as a dependent

If you experience losing your EWTF coverage, you will be sent information on how to continue your coverage under the EWTF Plan as well as accessing the exchanges in the Marketplace.

DC Health Benefit Exchange Authority

Office Hours: Monday – Friday, 8:30 am – 5 pm
Address: One Judiciary Square
441 4th St NW Ste 870 North
Washington, DC 20001
Phone: (202) 715-7576
TTY: 711
Web Address:

Maryland Health Connection

Address: 750 E. Pratt St, 16th Floor
Baltimore, MD 21202
Phone: (410) 547-1276
Web Address:


The Commonwealth of Virginia opted not to set up a marketplace. Residents of Virginia may visit the website.

[Definitions] [Recent News]