The Department of Health and Human Services (HHS) recently issued its 18th set of frequently asked questions (FAQs) regarding the Patient Protection and Affordable Care Act (PPACA), which took full force of the law this past Jan. 1.

Among the many issues the FAQs address is that of indemnity policies, which provide indemnity payments to individuals who get sick or injured and are designed to cover out-of-pocket expenses during those times of hospitalization. The FAQs will be followed by further guidance on such policies, which will be allowed to be sold only to persons with full health insurance in place.