Kansas Insurance Department

Size: px
Start display at page:

Download "Kansas Insurance Department"

Transcription

1 Kansas Insurance Department The Affordable Care Act What Happens Now? Kansas Society of CPAs June 5, 2013 Linda J. Sheppard, Special Counsel & Director of Health Care Policy and Analysis 2010 Affordable Care Act Provisions In Effect NOW No pre existing condition exclusions for children Dependent coverage to age 26 Small Business Tax Credit For businesses with 25 or fewer employees Average wages less than $50,000 Employer must contribute at least 50% of premium Tax credit phases out as number of employees and wages increases : Up to 35% of total employer contribution 2014 and later up to 50 % 1

2 2010 Affordable Care Act provisions in effect NOW No rescissions, except in cases of fraud or intentional misrepresentation Coverage of preventive health services with no out of pocket costs Enhanced appeals procedures Federal Pre existing Condition High Risk Pools no longer accepting participants No lifetime limits and phase out of annual limits 2014 ACA provisions Elimination of pre existing condition exclusions Guaranteed issue and renewability of coverage Rating factors limited to age, tobacco use, geography and family structure Tax credits and subsidies to help pay premiums and out of pocket costs; up to 400% of the Federal Poverty Level Limits on out of pocket costs in qualified health plans 2

3 2014 ACA provisions Mandated coverage for essential health benefits Uniform explanation of benefits and standardized definitions Individual mandate to ensure consumers do not wait until they are ill to seek coverage healthy and young people needed to keep down costs You will be penalized for no coverage (with some exceptions) push for more incentives Establishment of an online marketplace (formerly referred to as the exchange) Essential Health Benefits Essential Health Benefits in health plans must contain at least the following 10 categories: Ambulatory patient services Emergency services Hospitalization Maternity and newborn care Mental health and substance use disorder services, including behavioral treatment Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive and wellness services and chronic disease mgmt. Pediatric services, including oral and vision care 3

4 Kansans & Insurance Now Approximately 365,000 Kansans are uninsured 13.1 percent of the state s population Of all Kansans, 51.8 percent are covered by employment based insurance Public insurance (Medicare, Medicaid, other) covers 29.6 percent of all Kansans A total of 5.5 percent of Kansans have individual (other private) insurance (Source: Kansas Health Institute, 2012) Kansans & Insurance Now Kansas s Medicaid eligibility threshold for adults (less than 32 percent of the Federal Poverty Level) is among the lowest in the country Currently, childless adults who are not disabled cannot qualify for Medicaid Approximately 380,000 Kansas adults and children are enrolled in Medicaid or CHIP (Source: Kansas Health Institute, 2012) 4

5 Kansans & Medicaid Predictions Federal Medicaid expansion, if approved by the state, would provide eligibility to ALL adults earning </= 138 percent of the Federal Poverty Level ($32, 499 for a family of four, $15,856 for an individual) More than 240,000 Kansans are expected to enroll in Medicaid if the state expands the eligibility as set forth in the ACA. (Source: Kansas Health Institute, 2012) Additional Medicaid considerations Kansas hospital officials worry about disproportionate share phase out Concern over KanCare changes and for profit managed care oversight State cost of expansion Public awareness of programs IT infrastructure success 5

6 Kansas & Insurance Future Under the ACA, each state will have an American Health Benefit [online] Marketplace (Exchange) by January 1, 2014 If a state has not chosen to operate an online marketplace, the federal government will operate it for the state Kansans will have the opportunity to buy insurance (or be eligible for Medicaid assistance) through the federal marketplace Marketplace Operations 17 states and the District of Columbia are going to operate state based marketplaces 7 states are partnering with HHS 26 states have opted to have the federal government run the marketplace 6

7 Marketplace Provisions People who apply to buy insurance through the online marketplace who are eligible for a public program (like Medicaid) will be enrolled in that program The basic concept is much like Expedia or Travelocity you are directed to the proper area depending on the information you give Marketplace Timeline Insurance companies were able to start submitting applications to be on the Kansas Marketplace on March 29, 2013 All applications were due on May 1, 2013 KID will have about 3 months to review and approve applications (including policy forms and rates), must submit data to HHS by July 31, 2013 Open enrollment begins on October 1, 2013 and ends March 31,

8 Marketplace Requirements Under the ACA, the Kansas Marketplace must be interoperable with the Medicaid eligibility system so that Medicaid eligible Kansans will be directed to that portal Insurance companies operating in the Kansas Marketplace must be approved by the Kansas Insurance Department (KID) Five Core Marketplace Functions 1. Consumer assistance Support, education, outreach, Navigator mgmt. 2. Plan management Active purchaser or any willing plan; data collection 3. Eligibility Applications verification; connection to Medicaid, CHIP if needed 4. Enrollment Transactions, transmission 5. Financial management User fees; risk adjustment 8

9 The Marketplace(s) Individual Exchange: Provides information on subsidies and Medicaid eligibility and facilitates enrollment Small Group (SHOP) Exchange: For small employers ( 1 defined as employer and one employee) 70% participation rate allowed in federal SHOP State may elect to define as 1 50 until Jan. 1, 2016 Beginning in 2015 employer may choose coverage level and allow employees to choose from carriers offering at that level Beginning in 2015 the marketplace will collect and combine premiums and sends to carriers Large Employer Responsibility (50 or more FTEs) difficult formula If an employer doesn t offer minimum coverage and one of its employees receives a subsidy through the Exchange, the employer will be subject to a penalty: $2,000 annually, times the number of employees, minus 30. If an employer does offer coverage, but an employee receives a subsidy through the Exchange to pay for the premium, the employer will be subject to a penalty of $3,000 annually for each employee receiving a subsidy, up to a maximum of $2,000 times the number of full time employees, minus 30. 9

10 Adjusted community rating For the small group and individual markets: No rating based on health status Maximum age variation of 3:1 (ages 21 to 64) Maximum variation based on tobacco use of 1.5:1 Actuarially justified variation based on geographic areas (state may set areas) Family rates built up based on age and tobacco use of each member Plus, single risk pool in small group market and individual market (except for grandfathered plans) This will significantly impact rates for younger/healthier enrollees in most states. Benefit design & cost sharing Individual and small group plans must include Essential Health Benefits (EHBs). Large group and selfinsured plans may not have annual or lifetime limits on EHBs. EHBs based on benchmark plan in each state Cost sharing levels: Bronze = 60% actuarial value Silver = 70% actuarial value Gold = 80% actuarial value Platinum = 90% actuarial value Catastrophic plan (limited to < age 30 and those without affordable option in the market) 10

11 Qualified Health Plans At a minimum, QHPs must: 1. Be licensed and provide Essential Health Benefits 2. Offer at least one Silver (70%) and one Gold (80%) plan 3. Charge same price in and out of Exchange for same plan 4. Meet marketing requirements (state rules in ) 5. Meet network adequacy requirements (state rules in ) 6. Include essential community providers in network 7. Be accredited by organizations recognized by Secretary 8. Implement quality improvement strategies (2016) 9. Utilize uniform enrollment form and standard format for presenting plan options Note: HHS and/or states could impose additional certification requirements Other Plans Available in Marketplace Co Op Plans New, non profit insurers with consumer focus Receive loans from federal government for initial funding BUT future funding has been cut off Must be fully licensed comply with state and marketplace regulations Multi State Plans Must be licensed and comply with state regulations 11

12 Navigators Marketplaces must make grants to Navigators. Trade, industry & professional associations Fishing, ranching, and farming organizations Community and consumer focused nonprofits Chambers of commerce Unions Licensed agents & brokers (if they do not receive any compensation from carriers) Navigators conduct public education and distribute information Navigators facilitate enrollment, but may not advise or enroll Navigators provide referrals to consumer assistance offices Navigators (cont d) HHS is developing standards for training and certification of Navigators Navigators may not be insurers or receive direct or indirect compensation from insurers for enrollment in a QHP States may not require a Navigator to be licensed as an agent or broker States should be careful to ensure that Navigators do not perform functions that would require an agent s license 12

13 Other Assisters In person Assisters (federal grant funds available) Certified Application Counselors Primarily in hospitals and clinics Volunteers with training and certification Agents and Brokers Listed on the Exchange Commissions paid by insurers Appointment issues Cost Control Rate review, medical loss ratio provisions attempt to deal with administrative costs of insurance companies Accountable Care Organizations (ACOs) and bundled payments are attempts to influence underlying costs These are not enough. Unless we get underlying costs under control, we will not solve the long term crisis 13

14 Kansas Insurance Department 420 SW 9 th St. Topeka, KS Phone: Consumer Assistance: Fax:

Kansas Insurance Department

Kansas Insurance Department Kansas Insurance Department A Kansas Guide to Health Insurance Changes Public Policy Session Panel Discussion KAMU Annual Conference Sept. 26, 2013 Sandy Praeger, Commissioner of Insurance 2014 Affordable

More information

Health Care Reform Update

Health Care Reform Update Small Businesses No Financial Requirements for Small Businesses: The ACA imposes no financial requirements for small businesses to contribute to their employees health insurance. However, beginning in

More information

Health insurance Marketplace. What to expect in 2014

Health insurance Marketplace. What to expect in 2014 Health insurance Marketplace What to expect in 2014 Overview The Affordable Care Act (ACA) includes several provisions geared to extend greater access to health insurance benefits to more people. Beginning

More information

THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION. Linda J. Sheppard November 6, 2014

THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION. Linda J. Sheppard November 6, 2014 THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION Linda J. Sheppard November 6, 2014 The Kansas Market Approximately 348,000 Kansans are uninsured - 12.3% of the state s population 44,130 are children, but

More information

Health Insurance Marketplace. vhealth insurance exchanges. What to expect in 2014. What to expect in 2014

Health Insurance Marketplace. vhealth insurance exchanges. What to expect in 2014. What to expect in 2014 vhealth insurance exchanges Health Insurance Marketplace What to expect in 2014 What to expect in 2014 The basics of exchanges As part of the Affordable Care Act (ACA or health care reform law), starting

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update State of Nebraska s Health Insurance Exchange A Presentation to the Public September, 2012 TODAY'S AGENDA Section 1: Overview of Health Insurance Exchanges Section

More information

Federal Health Reform FAQs

Federal Health Reform FAQs Federal Health Reform FAQs Individuals 1. What is an exchange? An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.

More information

Presentation for Licensed Producers The Affordable Care Act

Presentation for Licensed Producers The Affordable Care Act Presentation for Licensed Producers The Affordable Care Act Bruce Donaldson, CHC Producer & Stakeholder Specialist Arkansas Insurance Department Affordable Care Act The ACA was passed by Congress and signed

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update Overview of the Affordable Care Act and the Federally Facilitated marketplace. September 2014 AFFORDABLE CARE ACT» The Affordable Care Act: Establishes a Health

More information

American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA)

American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA) American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA) This Fact Sheet reflects the Final Ruling published by the Department of Health and Human

More information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required

More information

Review of Market Rules for the Commercial Market

Review of Market Rules for the Commercial Market Review of Market Rules for the Commercial Market What Makes up the Commercial Market? Individual Market Through MNSure and from carriers directly ( Off-Exchange ) Small Group Market Through MNSure s SHOP

More information

Health Care Reform Frequently Asked Questions (FAQ) Consumers Employers

Health Care Reform Frequently Asked Questions (FAQ) Consumers Employers This page provides answers to frequently asked questions (FAQ) regarding The Patient Protection and Affordable Care Act (PPACA; P.L. 111-148) and the Health Care and Education Reconciliation Act of 2010

More information

One of the more visible changes soon to be brought MONTANA S HEALTH INSURANCE A PREVIEW OF MARKETPLACE

One of the more visible changes soon to be brought MONTANA S HEALTH INSURANCE A PREVIEW OF MARKETPLACE A PREVIEW OF MONTANA S HEALTH INSURANCE MARKETPLACE by Gregg Davis and Christina Goe One of the more visible changes soon to be brought to the forefront by passage of the Affordable Care Act (ACA) is the

More information

The Affordable Care Act: The Health Insurance Marketplace -- What Does It Mean for Individuals, Families, and Employers?

The Affordable Care Act: The Health Insurance Marketplace -- What Does It Mean for Individuals, Families, and Employers? The Patient Protection and Affordable Care Act (ACA) includes provisions that will have significant implications for individuals, families and employers in 2014. These provisions include: The creation

More information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required by the

More information

THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER

THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER Overview Affordable Care Act, aka Obamacare Goals Affordable Insurance Coverage

More information

Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE

Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE Laurus Strategies Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE The Affordable Care Act (ACA) requires non grandfathered health insurance plans in the individual and

More information

Fact Sheet. AARP Public Policy Institute. Health Reform Changes Insurance Rules

Fact Sheet. AARP Public Policy Institute. Health Reform Changes Insurance Rules Fact Sheet Health Reform Changes Insurance Rules The Affordable Care Act (ACA) will greatly increase the availability of health insurance and broadly impact the delivery of health care in America. This

More information

HEALTH CARE REFORM CHECKLIST

HEALTH CARE REFORM CHECKLIST HEALTH CARE REFORM CHECKLIST As a small employer, you need to be aware of the new regulations tied to the Affordable Care Act. Refer to this checklist to ensure you understand each one and that you re

More information

Patient Protection and Affordable Care Act of 2009: Health Insurance Exchanges

Patient Protection and Affordable Care Act of 2009: Health Insurance Exchanges Patient Protection and Affordable Care Act of 2009: Health Insurance Exchanges Provision Notes Standards SUBTITLE D AVAILABLE COVERAGE CHOICES FOR ALL AMERICANS PART I Establishment of Qualified Health

More information

David Lyons Founding Director and Chief Executive Officer

David Lyons Founding Director and Chief Executive Officer The New Health Insurance Marketplace Changes Impacting Small Employers and the SHOP Opportunity David Lyons Founding Director and Chief Executive Officer CoOportunity Health 10/1/2013 1 Why the Change?

More information

State Roles in Implementing Health Insurance Exchanges

State Roles in Implementing Health Insurance Exchanges State Roles in Implementing Health Insurance Exchanges By Alex Azarian August 2012 Principal Policy Analyst The Affordable Care Act (ACA) requires states to establish competitive insurance marketplaces,

More information

HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS. New York Edition

HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS. New York Edition HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS New York Edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM PAGE 2 www.discovermvp.com There s a constant stream of changes and updates related

More information

THE HEALTH INSURANCE MARKETPLACE

THE HEALTH INSURANCE MARKETPLACE THE HEALTH INSURANCE MARKETPLACE Presented by Raffa Financial Services Source: Centers for Medicare & Medicaid Services Design 2013 Zywave, Inc. All rights reserved. OBJECTIVES This session will help you:

More information

HEALTH INSURANCE MARKETPLACES FACT SHEET

HEALTH INSURANCE MARKETPLACES FACT SHEET HEALTH INSURANCE MARKETPLACES FACT SHEET INFORMED ON REFORM Overview A Health Insurance Marketplace, also known as a Health Insurance Exchange, is available in every state as a public option for individuals

More information

Healthcare Reform Preparedness for Small Businesses

Healthcare Reform Preparedness for Small Businesses Healthcare Reform Preparedness for Small Businesses Blue KC on Wheels Community awareness initiative Health screenings Wellness information Seminars on healthcare reform, health insurance and wellness

More information

to Health Care Reform

to Health Care Reform The Employer s Guide to Health Care Reform What you need to know now to: Consider your choices Decide what s best for you Follow the rules 2013-2014 Health care reform is the law of the land. Some don

More information

OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS

OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS Brief Prepared by MATTHEW COKE Senior Research Attorney LEGISLATIVE

More information

Presented by South Dakota Community Action Partnership

Presented by South Dakota Community Action Partnership Presented by South Dakota Community Action Partnership The project described was supported by Funding Opportunity Number CA-NAV-13-001 from the U.S Department of Health and Human Services, Centers for

More information

How The Affordable Care Act will Affect You and Your Business. Logo

How The Affordable Care Act will Affect You and Your Business. Logo How The Affordable Care Act will Affect You and Your Business. AFFORDABLE CARE ACT (ACA) DISCLOSURE The information provided is to be used as a guide. Since the ACA is still a work in progress, changes

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update State of Nebraska s Health Insurance Exchange A Presentation to Advocacy Groups August 2012 TODAY'S AGENDA Section 1: Overview of Health Insurance Exchanges Section

More information

Health Reform Changes: What s New for 2014? New Hampshire Insurance Department September 11, 2013

Health Reform Changes: What s New for 2014? New Hampshire Insurance Department September 11, 2013 Health Reform Changes: What s New for 2014? New Hampshire Insurance Department September 11, 2013 1 New Hampshire Insurance Department Presentation Overview What s New in 2014 Key Questions for Individuals

More information

The Healthcare Law April 19, 2010

The Healthcare Law April 19, 2010 The Healthcare Law April 19, 2010 This healthcare bill, recently made law, is a comprehensive overhaul that increases coverage to 94% of Americans and makes sweeping changes to our current healthcare system.

More information

Affordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013

Affordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 HEALTHCARE.GOV Affordable Care Act Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 Joanne Corte Grossi, MIPP Regional Director U.S. Department of Health

More information

The Affordable Care Act: What Does it Mean for Individuals and Families?

The Affordable Care Act: What Does it Mean for Individuals and Families? The Affordable Care Act: What Does it Mean for Individuals and Families? FIRM Team Fact Sheet 13-04 Available at http://www.firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan

More information

Washington Health Benefit Exchange. Leading Age 2014 Annual Conference. Phil Dyer Board Member

Washington Health Benefit Exchange. Leading Age 2014 Annual Conference. Phil Dyer Board Member Washington Health Benefit Exchange Leading Age 2014 Annual Conference Phil Dyer Board Member DISCLAIMER; The views and information expressed are my personal opinions and perspectives and do not represent

More information

HHealth HEALTH INSURANCE EXCHANGE FAQs

HHealth HEALTH INSURANCE EXCHANGE FAQs HHealth HEALTH INSURANCE EXCHANGE FAQs Page 1 TABLE OF CONTENTS Introduction... 3 Background... 3 Health Insurance Exchange FAQs... 4 What is the Patient Protection and Affordable Care Act (PPACA)?...

More information

THE KANSAS MARKETPLACE EXPERIENCE. Kansas Insurance Department Linda J. Sheppard

THE KANSAS MARKETPLACE EXPERIENCE. Kansas Insurance Department Linda J. Sheppard THE KANSAS MARKETPLACE EXPERIENCE Kansas Insurance Department Linda J. Sheppard The Kansas Marketplace Federally-facilitated Marketplace (FFM) Kansas Insurance Department (KID) is performing plan management

More information

HEALTH BENEFIT EXCHANGE SURVIVAL GUIDE FOR SMALL BUSINESS. New York Edition

HEALTH BENEFIT EXCHANGE SURVIVAL GUIDE FOR SMALL BUSINESS. New York Edition HEALTH BENEFIT EXCHANGE SURVIVAL GUIDE FOR SMALL BUSINESS New York Edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM PAGE 2 www.discovermvp.com There s a constant stream of changes and updates related

More information

Health Insurance Marketplaces

Health Insurance Marketplaces Health Insurance Marketplaces 2013 Zywave, Inc. All rights reserved. Presented by Employer Flexible What is Health Care Reform? The Affordable Care Act (ACA) was enacted in March 2010. Biggest overhaul

More information

The Affordable Care Act in New Hampshire

The Affordable Care Act in New Hampshire The State of New Hampshire Insurance Department 21 South Fruit Street, Suite 14 Concord, NH 03301 (603) 271-2261 Fax (603) 271-1406 TDD Access: Relay NH 1-800-735-2964 The Affordable Care Act in New Hampshire

More information

It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform.

It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform. WHAT IS HEALTHCARE REFORM? Healthcare Reform (HCR) is a law passed by Congress that provides many different requirements. A very important aspect of the law is that it is designed to provide individuals

More information

SURVIVAL GUIDE FOR SMALL BUSINESS

SURVIVAL GUIDE FOR SMALL BUSINESS HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS New York edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM PAGE 2 www.discovermvp.com There s a constant stream of changes and updates related

More information

The New Health Insurance Marketplace. Choices and Opportunities for Small Groups

The New Health Insurance Marketplace. Choices and Opportunities for Small Groups The New Health Insurance Marketplace Choices and Opportunities for Small Groups What is the Affordable Care Act? The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010

More information

Tobacco Cessation and the Affordable Care Act. Jennifer Singleterry Director, National Health Policy American Lung Association

Tobacco Cessation and the Affordable Care Act. Jennifer Singleterry Director, National Health Policy American Lung Association Tobacco Cessation and the Affordable Care Act Jennifer Singleterry Director, National Health Policy American Lung Association Background on ACA Acronyms ACA = Affordable Care Act (healthcare reform) HHS

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future.

Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. If you have any questions, please contact: Health Reform: A Guide

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

Understanding the Health Insurance Marketplace. August 2013

Understanding the Health Insurance Marketplace. August 2013 Understanding the Health Insurance Marketplace August 2013 Objectives This session will help you Explain the Health Insurance Marketplace Identify who will benefit Define who is eligible Explain the enrollment

More information

The Health Insurance Marketplace

The Health Insurance Marketplace The Health Insurance Marketplace An Overview of Arizona Enrollment in Medicaid and the Marketplace: Health-e-Arizona Plus update Rural Health Webinar August 7, 2013 What is the Affordable Care Act? The

More information

Issue Brief: The Health Benefit Exchange and the Small Employer Market

Issue Brief: The Health Benefit Exchange and the Small Employer Market Issue Brief: The Health Benefit Exchange and the Small Employer Market Overview The federal health care reform law directs states to set up health insurance marketplaces, called Health Benefit Exchanges,

More information

The Affordable Care Act: Health Coverage Options & Considerations in 2014

The Affordable Care Act: Health Coverage Options & Considerations in 2014 The Affordable Care Act: Health Coverage Options & Considerations in 2014 J A C K S O N V I L L E A R E A C H A M B E R O F C O M M E R C E A U G U S T 2 7, 2 0 1 3 L A U R A M I N Z E R E X E C U T I

More information

HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS. Vermont Edition

HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS. Vermont Edition HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS Vermont Edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM There s a constant stream of changes and updates related to health care reform,

More information

The Vermont Health Benefit Exchange: An Update for Small Business Owners

The Vermont Health Benefit Exchange: An Update for Small Business Owners The Vermont Health Benefit Exchange: An Update for Small Business Owners Today s Presentation Health Reform Goals Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like?

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

An Overview of Arizona Enrollment in the Affordable Care Act (ACA) Marketplace. Presented by: Jaime Perikly, Health Choice

An Overview of Arizona Enrollment in the Affordable Care Act (ACA) Marketplace. Presented by: Jaime Perikly, Health Choice An Overview of Arizona Enrollment in the Affordable Care Act (ACA) Marketplace Presented by: Jaime Perikly, Health Choice Affordable Care Act The Patient Protection and Health Care Law of 2010, amended

More information

Effective dates for provisions of the PPACA are spread out from 2010 through 2018. This document focuses on 2013 and 2014.

Effective dates for provisions of the PPACA are spread out from 2010 through 2018. This document focuses on 2013 and 2014. As part of our ongoing initiative to provide added value to our customers, this health care reform summary is being provided on an information only basis. This is NOT a legal document and is not intended

More information

Federal Health Care Reform: Implications for New York

Federal Health Care Reform: Implications for New York Federal Health Care Reform: Implications for New York Division of Coverage and Enrollment Office of Health Insurance Programs Health Bureau Insurance Department June 2010 Federal Health Care Reform: Where

More information

The New Healthcare Law and Its Impact on Small Business

The New Healthcare Law and Its Impact on Small Business U. S. Small Business Administration Washington Metropolitan Area District Office The New Healthcare Law and Its Impact on Small Business Julie C. Verratti Advisor U.S. Small Business Administration Julie.Verratti@sba.gov

More information

The Health Benefit Exchange and the Commercial Insurance Market

The Health Benefit Exchange and the Commercial Insurance Market The Health Benefit Exchange and the Commercial Insurance Market Overview The federal health care reform law directs states to set up health insurance marketplaces, called Health Benefit Exchanges, that

More information

REGULATORY UPDATE Vol. 1 No. 18

REGULATORY UPDATE Vol. 1 No. 18 REGULATORY UPDATE Vol. 1 No. 18 FAQs on Exchanges August 7, 2013 IN THIS ISSUE FAQs on Exchanges Employer Mandate Delay Transitional Guidance Issued Individual Mandate Final Rules Issued Possible Exchange

More information

The Reformed New World of Health Insurance Exchanges. Arthur Lerner Barbara Ryland

The Reformed New World of Health Insurance Exchanges. Arthur Lerner Barbara Ryland The Reformed New World of Health Insurance Exchanges Arthur Lerner Barbara Ryland Introduction State Insurance Exchanges are a key component of the health reform legislation What are the Exchanges? What

More information

The Effect of the Affordable Care Act on Your Small Business. Presented to : Greater Kansas City Chamber Business Class

The Effect of the Affordable Care Act on Your Small Business. Presented to : Greater Kansas City Chamber Business Class The Effect of the Affordable Care Act on Your Small Business Presented to : Greater Kansas City Chamber Business Class November 6, 2013 KHN Kaiser Health News Current Headlines October 31- November 4,

More information

Health Care Law Implementation: What Nonprofits Need to Know WELCOME!

Health Care Law Implementation: What Nonprofits Need to Know WELCOME! Health Care Law Implementation: What Nonprofits Need to Know WELCOME! Health Care Law Implementation: What Nonprofits Need to Know (PPACA) Health Care Law Implementation: What Nonprofits Need to Know Heather

More information

AMERICAN HEALTH BENEFIT EXCHANGES

AMERICAN HEALTH BENEFIT EXCHANGES AMERICAN HEALTH BENEFIT EXCHANGES As we have previously reported, beginning January 1, 2014, the GHLIT will stop offering AVMA members medical insurance. However, members and small employers will be able

More information

5Want to know more about the health

5Want to know more about the health www. WHAT S INSIDE STEPS TO UNDERSTANDING OBAMACARE Introduction 4 Step 1 Does your current health insurance plan need to change? 6 Step 2 How will you pay for health insurance in 2014? 10 Step 3 What

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update Overview of the Affordable Care Act and the Federally Facilitated marketplace. September 2015 AFFORDABLE CARE ACT OVERVIEW» The Affordable Care Act was enacted

More information

The Vermont Health Benefit Exchange: An Update

The Vermont Health Benefit Exchange: An Update The Vermont Health Benefit Exchange: An Update Today s Discussion Health Reform Goals & Timeline Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like? Plan Design Enrollment

More information

Marketplaces (Exchanges): Information for Employers and Individuals Lisa Klinger, J.D. www.leavitt.com/healthcarereform.com

Marketplaces (Exchanges): Information for Employers and Individuals Lisa Klinger, J.D. www.leavitt.com/healthcarereform.com 10-21- 2013 As of January 1, 2014, the Patient Protection and Affordable Care Act (PPACA) requires most U.S. citizens and lawful residents to either have minimum essential coverage or to pay a federal

More information

THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID

THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID Deloris Summers Deaf In-Person Counselor Navigator Jacksonville Area

More information

Update. Director of Policy and National Health Care Reform Coordinator. Roni Mansur Chief Operating Officer. Board of Directors Meeting March 8, 2012

Update. Director of Policy and National Health Care Reform Coordinator. Roni Mansur Chief Operating Officer. Board of Directors Meeting March 8, 2012 National Health Care Reform Update Kaitlyn Kenney Director of Policy and National Health Care Reform Coordinator Roni Mansur Chief Operating Officer Board of Directors Meeting March 8, 2012 Agenda Update

More information

SURVIVAL GUIDE FOR SMALL BUSINESS

SURVIVAL GUIDE FOR SMALL BUSINESS HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS Vermont edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM There s a constant stream of changes and updates related to health care reform,

More information

Exchanges and the ACA What You Need to Know for 2014

Exchanges and the ACA What You Need to Know for 2014 Exchanges and the ACA What You Need to Know for 2014 How the Affordable Care Act affects the Individual Health Insurance Market This presentation is for informational purposes only and does not constitute

More information

The Affordable Care Act. President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010.

The Affordable Care Act. President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. The Affordable Care Act President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. The ACA was enacted to: v Increase quality and affordability of health insurance v Lower the uninsured

More information

Health Insurance Exchange

Health Insurance Exchange Health Insurance Exchange Lynn A. Blewett, Ph.D. Professor, Division of Health Policy and Management, University of Minnesota School of Public Health Director, State Health Access Data Assistance Center

More information

www.thinkhr.com 877-225-1101 Employer Health Reform Checklist

www.thinkhr.com 877-225-1101 Employer Health Reform Checklist www.thinkhr.com 877-225-1101 Employer Health ThinkHR grants the reader non-exclusive, non-transferable, and limited permission to use this document. The reader may not sell or otherwise use this document

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

Health Insurance Marketplace Basics

Health Insurance Marketplace Basics Health Insurance Marketplace Basics Amanda Ptashkin, JD Outreach and Advocacy Director aptashkin@healthyfuturega.org 404-890-5804 WHY SHOULD I GET COVERAGE? Access to the health care system Financial protection

More information

Section 2: INDIVIDUALS WHO CURRENTLY HAVE

Section 2: INDIVIDUALS WHO CURRENTLY HAVE Section 2: INDIVIDUALS WHO CURRENTLY HAVE COVERAGE OR AN OFFER OF COVERAGE FROM THEIR EMPLOYER Section 2 covers enrollment issues for individuals who have coverage or an offer of coverage whether through

More information

Affordable Care Act and Adolescents and Young Adults

Affordable Care Act and Adolescents and Young Adults Affordable Care Act and Adolescents and Young Adults Overview of Summit Welcome and Introductions Affordable Care Act 101 Affordable Care Act and Impact on Adolescents and Young Adults Federal Update on

More information

Affordable Care Act Health Insurance Exchanges Jim Wotring & Gary Macbeth

Affordable Care Act Health Insurance Exchanges Jim Wotring & Gary Macbeth Affordable Care Act Health Insurance Exchanges Jim Wotring & Gary Macbeth National Technical Assistance Center for Children s Mental Health, Georgetown University What We Are Talking About Today Exchanges

More information

Healthcare Reform for Tennesseans A NEW ERA IN HEALTH CARE FOR TENNESSEANS

Healthcare Reform for Tennesseans A NEW ERA IN HEALTH CARE FOR TENNESSEANS Healthcare Reform for Tennesseans A NEW ERA IN HEALTH CARE FOR TENNESSEANS Agenda What s a CO-OP? Who benefits from it? Get to know CHA Timeline Who s Affected Marketplace New Requirements Questions 2

More information

The Affordable Care Act: What Does It Mean for Self-Employed Individuals in Agriculture and Small Business?

The Affordable Care Act: What Does It Mean for Self-Employed Individuals in Agriculture and Small Business? FIRM Team Fact Sheet 13-03 Available at http://firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan State University Extension October 2013 The Patient Protection and Affordable

More information

District of Columbia Health Benefits Exchange (DC HBX) Insurance Subcommittee FAQ: Small Business Owners and Producers (Insurance Agents & Brokers)

District of Columbia Health Benefits Exchange (DC HBX) Insurance Subcommittee FAQ: Small Business Owners and Producers (Insurance Agents & Brokers) District of Columbia Health Benefits Exchange (DC HBX) Insurance Subcommittee FAQ: Small Business Owners and Producers (Insurance Agents & Brokers) 1. Will small businesses be forced into the DC HBX to

More information

Find health care options that meet your needs and fit your budget. ctober 2014

Find health care options that meet your needs and fit your budget. ctober 2014 O Health Insurance Find health care options that meet your needs and fit your budget. ctober 2014 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law generally requiring

More information

The SHOP Marketplace. New Health Insurance Options for Small Businesses. August 2013

The SHOP Marketplace. New Health Insurance Options for Small Businesses. August 2013 The SHOP Marketplace New Health Insurance Options for Small Businesses August 2013 What is the SHOP Marketplace? SHOP = Small Business Health Options Program A new, streamlined way for small employers

More information

Minimum Creditable Coverage, Minimum Essential Coverage and ACA Insurance Market Reforms

Minimum Creditable Coverage, Minimum Essential Coverage and ACA Insurance Market Reforms Minimum Creditable Coverage, Minimum Essential Coverage and ACA Insurance Market Reforms Kaitlyn Kenney Director of Policy & Research and National Health Reform Coordinator Board of Directors Meeting October

More information

This glossary provides simple and straightforward definitions of key terms that are part of the health reform law.

This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. This glossary provides simple and straightforward definitions of key terms that are part of the health reform law. A Affordable Care Act Also known as the ACA. A law that creates new options for people

More information

Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace

Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace Understanding the ObamaCare Health Insurance Plans in North Carolina As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with

More information

The Affordable Care Act What does it mean to Arkansans? Sandra L. Cook, MPA Consumer Assistance Specialist Arkansas Insurance Department

The Affordable Care Act What does it mean to Arkansans? Sandra L. Cook, MPA Consumer Assistance Specialist Arkansas Insurance Department The Affordable Care Act What does it mean to Arkansans? Sandra L. Cook, MPA Consumer Assistance Specialist Arkansas Insurance Department PRESENTATION OBJECTIVES By the end of this presentation, participants

More information

HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND

HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND WWW.BKLAWYERS.COM HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND ABA SECTION OF LABOR AND EMPLOYMENT LAW EMPLOYEE BENEFITS COMMITTEE MID- WINTER MEETING 201 BLITMAN & KING LLP Franklin Center,

More information

Health Reform and the AAP: What the New Law Means for Children and Pediatricians

Health Reform and the AAP: What the New Law Means for Children and Pediatricians Health Reform and the AAP: What the New Law Means for Children and Pediatricians Throughout the health reform process, the American Academy of Pediatrics has focused on three fundamental priorities for

More information

Exchange 101. August 2013

Exchange 101. August 2013 Exchange 101 August 2013 455430 27517 Penalties for individuals 2017 and beyond: Annual adjustments 2016: Greater of $695 or 2.5% of taxable income 2015: Greater of $325 or 2% of taxable income 2014: Greater

More information

Health Insurance Marketplace 101 1

Health Insurance Marketplace 101 1 Affordable Care Act Coverage Accomplishments May 2013 3.1 million young adults have gained insurance through their parents plans 6.1 million people with Medicare through 2012 received $5.7 billion in prescription

More information

Basics of Health Care Reform. What You Should Know

Basics of Health Care Reform. What You Should Know Basics of Health Care Reform What You Should Know The Affordable Care Act (ACA) has resulted in major across the U.S. health care system. This brochure provides an overview and timeline of the that have

More information

Health Care Reform: Policy Implications for the Future

Health Care Reform: Policy Implications for the Future Health Care Reform: Policy Implications for the Future Michigan Primary Care Association Douglas M. Paterson, MPA Director of State Policy Promoting, supporting, and developing comprehensive, accessible,

More information

The Patient Protection and Affordable Care Act What Employers need to know

The Patient Protection and Affordable Care Act What Employers need to know The Patient Protection and Affordable Care Act What Employers need to know Presented by: Misty Baker mbake@iiat.org 800-880-7428 This update is based on the known provisions of the PPACA. This is not to

More information

Health care reform for large businesses

Health care reform for large businesses FOR PRODUCERS AND EMPLOYERS Health care reform for large businesses A guide to what you need to know now DECEMBER 2013 CONTENTS 2 Introduction Since 2010 when the Affordable Care Act (ACA) was signed into

More information

www.thinkhr.com AFFORDABLE CARE ACT SMALL EMPLOYER HEALTH REFORM CHECKLIST

www.thinkhr.com AFFORDABLE CARE ACT SMALL EMPLOYER HEALTH REFORM CHECKLIST www.thinkhr.com AFFORDABLE CARE ACT SMALL EMPLOYER HEALTH REFORM CHECKLIST Employers that provide health coverage to employees are responsible for complying with many of the provisions of the Affordable

More information