Health Care Reform
On March 23, the president signed H.R. 3590, the Patient Protection and Affordable Care Act. A companion bill, H.R. 4872 the Health Care and Education Affordability Reconciliation Act, was signed soon afterwards on March 30. Passage of broad health care legislation will eventually bring many changes to the nation's insurance, delivery, and reimbursement systems for medical practices, patients, and employers. Learn even more at www.healthcare.gov.
The Wilson Agency is actively involved with educating our representatives about how this legislation affects employers and employees alike. Our advocacy puts us in the forefront of understanding how this Act will be implemented. We are committed to guiding our clients through the maze of issues, compliance and timelines to ensure as smooth a transition as possible.
This page is to provide you one source of information to help you understand this legislation and how it affects you, your business and your employees. Check back often to see changes, updates and additions.
Clients of The Wilson Agency have more resources available to them. Log in with your client user name and password then select the Client tab, Health Care Reform page.
Resources in Collaboration with United Benefit Advisors
The Wilson Agency clients have access to dozens of in-depth resources available through our ownership in UBA. To view these proprietary documents, log in using the client log in user name and password available on the left side of the page.
Resources from the Federal Government
Interim Final Rule issued by the departments of Health and Human Services, Labor, and Treasury addressing several provisions of the PPACA, including requirements related to pre-existing condition exclusions, annual and lifetime dollar limits, rescissions, choice of providers and coverage of emergency services. Comments are due by August 27. (see below for summary provided by The Groom Law Group)
Resources for Small Businesses
The Obama administration's additional overview and additional IRS guidance on the Small Business Health Care Tax Credit.
Summary of Small Business Tax Credits
Guidance from the IRS regarding the small-business health tax credit. Includes information categorized by state.
Q&A from the IRS regarding small-business health tax credit.
Small Business Tax Implications: takes you directly to the IRS guidelines around how and who can receive the new tax credits available in the Patient Protection and Affordable Care Act.
3 Simple Steps - shorthand formula for calculating the small-business health tax credit.
Resources from the State of Alaska
Resources from National Association of Health Underwriters
Timeline of Health Insurance Reforms
Timeline of how the legislation will impact individuals and employers
Summary Analysis of the Interim Final Rule on pre-existing condition exclusions, annual and lifetime limits, rescission, choice of providers and emergency services (courtesy of The Groom Law Group)
Health Care Options Matrixes and Health Coverage Eligibility Quiz provides updated information on options for the uninsured.
Other Resources: we've gathered and reviewed some of the best sources of information and placed them here for your education.
"Grandfathered" Health Plan Proposed Rules Released - Fact sheet, released by U.S. Department of HHS provides interim final and poposed regulations for group health plans and health insurance coverage relating to status as a grandfathered health plan.
American Benefits Council Power Point presentation on Interim Final Regulations for Grandfathered Plans (6/16/10)
Summary of the Interim Final Regulations for up to Age 26 Extension of Coverage for Adult Children:
- Summary of Dependent Coverage Regulations with Examples (courtesy of The Groom Law Group)
- Summary of Dependent Coverage Regulations (courtesy of Davis & Harman, LLP)
- PowerPoint presentation slides of Dependent Coverage Regulations (courtesy of Davis & Harman, LLP)
U.S. Department of Labor - Extension of Coverage For Adult Children:
A thorough examination of the reform legislation, including tax provisions, market reforms, health IT and employer responsibility (146 pages) from the America's Health Insurance Plans (AHIP).
Patient Protection Act Primer: A special report by CCH explaining the Patient Protection and Affordable Care Act.
Kaiser Family Foundation: a further resource on health care reform education.
Small Business Majority: a resource for small business to understand the unique implications of reform on their business, including a health care tax credit calculator.
AARP on health care reform.
The White House Administration on health care reform.
Political Advocacy
Find out what our representatives think about health care reform, what they are advocating for and access their informative resource documents.
Still have more questions?
Don't understand what you read?
Call (907-277-1616) or email our Health Care Reform Ambassador, Kelli Burman.
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