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Understanding the Patient Protection Affordable Care Act (PPACA) and Health Care Reform

The Patient Protection Affordable Care Act was signed into law by President Obama on March 23, 2010. This law implements regulatory changes in the health insurance industry that aims to expand coverage and ensure affordability of coverage.

Some of the mandates under the law were already in place including coverage for dependent children up to 26 years old, 100% coverage with no co-payments or co-insurance on certain preventive care services and coverage for essential benefits without lifetime limits.

This law also contains many critical requirements for our employer groups that you should be informed of. This guide can be used as a tool to prepare you and your employees for the changes to the health care landscape in terms of coverage, fees and other state and territory mandates that have originated from the law.

*The information contained herein are issued for informational purposes only and has been collected from regulations, statutes, laws and administrative rulings and should not be viewed as interpretation or relied upon as legal, financial or tax advice. Health Plans are not associated with or endorsed by any governmental agency and information obtained from governmental agencies is subject to change. This information is known to be current as of January 2013. It is not intended to provide specific legal, tax, or other professional advice. The services of an appropriate professional should be sought regarding your individual situation.

Download the Health Care Reform Employer Handbook

Quick Look Timeline

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Helpful links

Health Care Reform summarized

Department of Labor web site for employers

The Kaiser Family Foundation web site on health care reform

U.S. Department of Health and Human Services

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