Health Care Reform - Latest News

2015 Health Care Reform Resources

On March 23, 2010, President Obama signed into law the health care reform bill, the Patient Protection and Affordable Care Act. This legislation, along with the Health Care and Education Reconciliation Act of 2010, makes sweeping changes to the U.S. health care system. These changes will be implemented over the next several years.

We keep our clients informed and up to date on the latest changes and developments revolving around Health Care Reform.

HCR Basics


Marketplace rates are available, have you registered and looked at your options? Do so here, Healthcare.Gov  The process is pretty straightforward but will take some time. Be patient and go through the process. Many will save qualify for subsidies and find a better deal in the marketplace. Need help? We are here to help you find and understand your options. Call David 615-417-8102

Health Care Reform toolkit for small business owners - This 22 page document contains specific information about coverge changes before and after January 1, 2014, wellness programs, new health plans taxes and fees and the obligations of employers.

HHS Announces Delay of FF SHOP Functions - On September 26th HHS announced the the Small Busienss Health Options Plan would delay it's opening  until November. It's still possible to have a January 1st effective date if enrollment is completed by December 15th.

IRS and DOL issue guidance on HRAs and FSAs - ON September 13th the door was closed on a strategy we hoped to use to help many small business owners and employees transition to individual policies and still have the abilty to use tax strategies for premiums. Another loss for small businesses and their employees.

IRS issues final rules on Individual Mandate Penalties - On August 27th the IRS issued final regulations on the mandate, what types of coverage are acceptable and special rules for dependent penalties.

HHS Issues Final Rule on Exchanges / Marketplaces - Under the ACA individuals and small businesses wil be able to purchase private heatlh insurance through state based competative marketplaces, known as Affordable Health Exchanges.

12 Things you need to know about the Health Insurance Marketplaces - A must read

Health Care Reform: The Who, The What & When
PPACA - Understand the Patient Protection & Affordable Care Act
Condensed HCR Chart - Outlines the basics
Health Care Reform Timeline - Specifics on the new regulation & when changes take effect

Latest Developments

Provisions Impacting Employer-Based Health Planseffective for plan years beginning on or after Sept 23, 2010
Changes to Qualified Medical Expenses - Changes to take effect Jan 1, 2011
IRS Delays Form W-2 Reporting Requirement  - Employers granted more time to comply
Grandfathered Plans - Summary of the regulations
Extended Dependent Coverage to 26 - Answers to your questions
Over-the-Counter Medications: FSAs, HSAs & HRAs - What's changing?
Upcoming HR Implications - How will you & your company be affected?
Small Buisness Health Care Tax Credit - Are you eligible?


Benefit Brokers conveys an attitude of appreciation for clients. They show sincere interest, listen to the client's needs and offer advice and options to reach solutions. They have a 'Team' that works together to meet a client's request on benefits, questions regarding billing, etc. I think what best describes Benefit Brokers is they go the extra step, 'Whatever it takes', for their clients. RLH Agency - Nashville, TN