Health Care Reform

An extensive and fundamental change in the way the United States handles health care has arrived. In 2010, President Obama signed into law The Patient Protection and Affordable Care Act, also known as PPACA. The act is the first comprehensive health care reform legislation in U.S. history. Now, after the U.S. Supreme Court has upheld the act’s constitutionality in a June 2012 decision, the act is being implemented throughout the nation.

This massive implementation of health care reform on the horizon is the very reason why is providing the crucial information you need to make a smart, informed decision about your health care. Whether you are an individual, business owner, senior citizen, head of a family household, or other demographic, our goal is to help you navigate this new health care reform.

PPACA’s goal is to extend insurance coverage to roughly 50 million uninsured Americans. Proponents of the act say this is expected to slow down increasing costs and improve the quality of health care by changing the way it is delivered. explores the potential implications of this new law for families, businesses and individuals.

At, we are dedicated to helping you understand new health care reform mandates, policy changes, and more. Find the latest news and information to help you make an informed decision about your health care choices on

Special Enrollment Periods?

Open Enrollment for the Affordable Care Act (ACA) ends on March 31, 2014. Effective April 1, 2014 – November 14, 2014, individuals must experience a Qualifying Life Event (QLE) to be eligible to enroll for coverage during a Special Enrollment Period (SEP). So, what exactly is a Special Enrollment Period and how would one qualify for this?  Here is a chart that may help you with that: Life Event SEP Window Effective date (subject to… Continue reading

5 Must-Know Facts About ‘Pay or Play’

from HR360 Recently issued final rules provide important guidance on the ‘pay or play’ provisions under Health Care Reform. These provisions require large employers–generally those with at least 50 full-time employees, including full-time equivalents–to offer affordable health insurance that provides a minimum level of coverage to full-time employees (and their dependents), or pay a penalty tax if any full-time employee receives a premium tax credit for purchasing individual coverage on a Health Insurance Marketplace. Below are… Continue reading

More Delays to Health Reform for Mid-Sized Employers

I guess delays have come to be expected with Health Reform. Well, on February 10, 2014, the Internal Revenue Service released the final employer responsibility rule, together with a fact sheet and a series of questions and answers about the rule.  The rule finalizes rules proposed late in December 2012. Although the rule contains a number of transition provisions, three provisions seem to be getting the most attention – for good reason. The rule postpones until 2016 the application… Continue reading

What is the SHOP Marketplace?

The Small Business Health Options Program (SHOP) is a new program that simplifies the process of buying health insurance for your small business. For 2014, the SHOP Marketplace is open to employers with 50 or fewer full-time-eqivalent employees (FTEs). The advantages of using SHOP include: You control the coverage you offer and how much you pay toward employee premiums. You can compare health plans online on an apples-to-apples basis, which helps you make a decision… Continue reading

Ch Ch Ch Ch Changes! Countdown to 2014.

If your role within your firm involves you touching any part of your group health insurance plan, these past few years have been anything but boring.  Though there are still some legislators talking about killing the Affordable Care Act (dubbed Obamacare) by defunding it, it seems that most have agreed that it is finally time to understand and embrace the coming changes from Health Reform. That shift in thinking comes just in time for some… Continue reading

Exchange Notices – What EVERY employer needs to do by October 1st!

By October 1, 2013, EVERY employer (1 employee and up) must provide employees written notice about the new health care Exchanges. The ability for the employee to afford coverage in the Exchange will vary based on a number of factors and generate many new questions from employees. Will you be prepared to answer these employee questions: – Will I be eligible for insurance on the Exchange? – How does our group plan (if one is… Continue reading

Employee Exchange Video (in under 10 minutes)

The following is a brief (under 10 minutes) update prepared for Employees who are currently receiving the Federally mandated Exchange notices.  Feel free to share.

President Obama Asks Celebrities to Help Spread The Word About Health Care Reform

This October, Health Care Reform Exchanges are going to open in different states. With only two months left before these online exchanges open, President Barack Obama is making an effort to ensure that young people are aware of their options. He has enlisted A-list Hollywood celebrities such as singer and actress Jennifer Hudson, actress and comedienne Amy Poehler, and the highly regarded Oprah Winfrey to help bolster awareness. Alongside these recognizable celebrities, he has also… Continue reading

Health Insurance Mandate Potentially Causes Issues for the People It’s Designed to Help

The Patient Protection and Affordable Care Act (PPACA) is often presented as a solution for working families who can’t afford health insurance. Unfortunately, because of a large loophole in the health care reform law, the PPACA may actually end up penalizing many of the people it’s designed to help. High premiums, unfair disadvantages for employees at large companies, and high deductibles may make health insurance unaffordable for many workers. Research from the payroll provider Automatic… Continue reading

Will Health Care Reform Lower or Raise Premiums?

There will be 50 statewide insurance exchanges where consumers can compare premiums and coverage plans opening soon. The current administration has announced that it predicts low costs when the exchanges open on October 1st. How will the exchange lower premiums? In the last few years, many people have chosen to live without health insurance. This has especially been the case with young working class individuals between the ages of 18 and 35, which is the… Continue reading