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Affordable Care Act Timeline

March 2010

  • President Obama Signs Patient Protection and Affordable Care Act

September 2010

  • Dependent children covered to age 26
  • Insurance companies no longer able to deny coverage to children with pre existing conditions
  • No annual benefit limits
  • No lifetime limits on key benefits

September 2011

  • Insurance companies requesting more that 10% increase must submit to Federal reviewers

July 2012

  • Claims and appeals processes implemented


  • Medical Loss Ratio Rebates – if an insurance company fails MLR test must rebate over charge to insured (80% for small business-85% for large business)
  • Preventative health services for women with no cost sharing

September 2012

  • ¬†Summaries of benefits and coverages must be provided to all insureds and new enrollees

December 2012

  • ¬†Form w-2 must include the value of group health plan benefits provided to employees

January 2013

  • FSA (Flexible Spending Account) limit at $2500 per year
  • Employers can not take a deduction for retiree Rx drug expenses
  • FICA tax increase by 3.8% on high income individuals
  • Medicare tax increase by .9% for high income individuals

March 2013

  • Employees must be notified of the availability of State Health Insurance Exchanges (Has been postponed until late summer of 2013)

July 2013

  • For plan years ending after October 2012 or before October 2019 self insured groups and insurers must pay fees per covered life of $1 (increasing to $2 for plans years ending after October 2013)

December 2013

  • Employer group health plans must HIPAA certify requirements for rules on electronic transactions between providers and health plans

Effective Date Not Specified

  • Employer group health plans must provide an annual report disclosing information of plan benefits and reimbursement structures that improve health outcomes (regulations remain unissued)

January 2014

  • “Pay or Play” employers with 50 or more ees must offer a minimum level of affordable health care coverage or pay a penalty ( the penalty has been postponed to January 2015)
  • “Pay or Play” Individual Mandate- most individual taxpayers must have health coverage or purchase through the Exchange or pay tax penalties
  • Wellness incentives may be increased by employer to 30% of average costs
  • Employer imposed waiting periods can be no longer than 90 days
  • Employer group plans may not impose pre existing condition exclusions
  • Employer group plans may not impose annual dollar limits on essential benefits

Expected in January 2014

  • Large employers (over 200 ee) must automatically enroll new ees in the group health
  • Insured employer group plans may not discriminate in favor of HCEs (highly compensated employees)

January 2018

  • “Cadillac Tax” will require employers to pay an excise tax if coverage through group plan exceeds annual cost of $10,200 for a single or $27,500 for family coverage (numbers will be adjusted for inflation)

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