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Health Care Reform

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Patient Protection and Affordable Care Act (“PPACA” or “ACA”)

The highly publicized Health Care Reform (HCR) bill (the Patient Protection and Affordable Care Act (PPACA or ACA) became law in 2010. The arduous task of interpretation and implementation continues to be affected by changes and revisions to the various provisions.
ACA created only the outline for what will happen over the next several years. Most provisions took effect in 2014, but many do not come into play for a few years. As regulations implementing ACA are written and rewritten, we gain a clearer picture of what the law really means. This site will provide you with updates and links to information from the various sources involved in implementing HCR. This information can help you determine how ACA may affect you and your employees.

Affordable Care Act – General Information


Age Rating

Employer Penalties

Essential Benefits



Grandfathered Plans

Guarantee Issue

Health Care Costs

Health Insurance Tax

Medical Loss Ratio


Personal Coverage Requirement

Preventive Care Benefits

W-2 Reporting