Health Care Reform Considerations for Employers


On March 23, 2010, the Patient Protection and Affordable Care Act (PPACA) was signed into law. That legislation set the stage for sweeping health care reform in the United States. The Act is structured on a model in which most Americans will secure health care coverage for themselves and their families through employer-based insurance plans. Employers have both record-keeping and

financial obligations under the Act, which began in 2011. A tax credit for small businesses that offer health insurance is already available. In addition, employers may find that coverage requirements which are already applicable to insurance carriers may result in rate increases for those seeking to renew current

plans or obtain new policies.

While the basic structure and timeline of the Patient Protection and Affordable Care Act is in place, there is much that is not known. Many of the specific regulations for health care reform have not yet been generated, and undoubtedly, there will be legislative changes altering some aspects, if not all, of the law.

Under the current version of the PPACA, the heavy lifting for employers does not begin until 2014, which is when all citizens and legal residents are required to be covered by medical insurance, most of which will come through employers.

What follows is a summary of some of the key provisions of the Act, focusing on those which will impact employers.

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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