Understanding Healthcare Reform

Healthcare Reform refers to the two laws that were passed in 2010 to cover a multitude of changes regarding health insurance. The Patient Protection and Affordable Care Act was signed into law on March 23, 2010, and The Health Care and Education Reconciliation Act was signed into law on March 30, 2010.

Below are a number of resources to help you understand more of the specifics of the changes, starting with links that will explain coverage changes for non-employer plans and coverage changes for employer plans.

Resources

Underwritten Large Group ACA Provisions Summary Download PDF

Affordable Care Act Market Reform Provisions Large Underwritten Group Health Plans Introduction

The following is a summary of the major market reform provisions under the Affordable Care Act (ACA) that apply to an underwritten group health plan sponsored by a large employer... 

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Healthcare Reform Fees and Taxes Download PDF

Comparative Effectiveness Research Fee

SELF FUNDED, FULLY INSURED AND SMALL GROUP PLANS

The healthcare reform law establishes a new Patient-Centered Outcomes Research Institute (PCORI) to assist patients, clinicians, purchasers, and policy-makers in making informed health decisions by advancing comparative clinical effectiveness research. The research conducted through this new institute will be paid for by a new Patient-Centered Outcomes Research Trust Fund. The PCORI will be partly funded through the comparative effectiveness research (CER) fees payable by issuers of health insurance policies and sponsors of self-insured health plans.

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Ten Essential Health Benefits Download PDF

Ten Essential Health Benefits

All of our plans include 10 ‘Essential Health Benefits.’ This ensures that people who purchase new plans will be getting access to a minimum standard of healthcare benefits...

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HCR 101: Your Guide to Understanding Healthcare Reform Download PDF

By now, you’ve probably been hearing a lot about the Affordable Care Act (also known as healthcare reform or Obamacare). It’s a topic that’s been getting a lot of attention, and there’s no doubt that it brings changes to healthcare for both consumers and insurers. But don’t worry, Blue Cross and Blue Shield of Alabama is here to help you make sense of it. We’ve developed this guide to give you an overview of what healthcare reform is, how it will work and what it may mean for you.

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Proposed Rules on Employer Shared Responsibility Payment - Updated 10-31-2013 Download PDF

On December 28, 2012 the U.S. Department of the Treasury and the Internal Revenue Service (IRS) issued proposed rules on the employer shared responsibility payment provision under the Affordable Care Act (ACA), also known as healthcare reform. 

There has not been any additional guidance to date other than the delay of the effective date of these rules to January 1, 2015.

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