1 The Affordable Care Act: Is Healthcare Becoming More Affordable? Houston Economics Club Federal Reserve Bank of Dallas, Houston Branch November 17, 2014 Vivian Ho, PhD James A. Baker III Institute Chair in Health Economics Director, Health Policy Forum Professor, Department of Economics at Rice University Professor, Department of Medicine at Baylor College of Medicine
2 Outline Changes in health insurance Marketplace plans (Healthcare.gov) Medicaid Large Employer Plans Small businesses Fiscal impact of the ACA The ACA and Medicare
3 Source: Gallop.com Daily News
4 Source: Gallop.com Daily News
5 Source: Congressional Budget Office, Updated Estimates of the Insurance Coverage Provisions of the Affordable Care Act, April 2014.
6 Marketplace Insurance Plans Healthcare.gov April 2014: 5.4 million selected plans through 36 federally facilitated marketplaces (FFMs) 2.6 million enrolled in HI through 14 state based marketplaces. In the FFM, 87% used tax credits to enroll in a plan.
7 Kathleen Sebelius Former US Secretary of Health and Human Services Sylvia Mathews Burwell Current US Secretary of Health and Human Services
8 Marketplace Insurance Plans Average Monthly Premiums before and after Tax Credits, Tax Credit Amount, and Percent Reduction in Premium after Tax Credits for Individuals Who Selected Plans with Tax Credits through the 2014 Federally-facilitated Marketplace Metal Level Percent of Individuals Who Selected Plans with Tax Credits Average Premium before Tax Credits Average Tax Credit Amount Average Premium after Tax Credits Average Percent Reduction in Premium after Tax Credits Bronze 73% $289 $221 $68 76% Silver 94% $345 $276 $69 80% Gold 65% $428 $220 $208 51% Platinum 64% $452 $232 $220 51% All Metal Level 87% $346 $264 $82 76% Source: ASPR Research Brief, June 18, 2014.
10 $263 x 12 = $3156. Source: ASPR Research Brief, June 18, 2014.
11 How do Marketplace premiums compare to premiums purchased by large employers for their workers?
12 Average Annual Premiums for Single and Family Coverage, $2,196 $5,791 $2,471* Single Coverage $6,438* $2,689* Family Coverage $7,061* $3,083* $8,003* $3,383* $9,068* $3,695* $9,950* $4,024* $10,880* $4,242* $11,480* $4,479* $12,106* $4,704* $12,680* $4,824 $13,375* $5,049* $13,770* $5,429* $15,073* $5,615* $15,745* $5,884* $16,351* $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 * Estimate is statistically different from estimate for the previous year shown (p<.05). SOURCE: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, Source: KFF.org Employer Health Benefits Survey 2013
15 Source: Health Reform Monitoring Survey Texas, Issue Brief #3, April 14, 2014.
16 Source: Health Reform Monitoring Survey Texas, Issue Brief #3, April 14, 2014.
17 Source: Health Reform Monitoring Survey Texas, Issue Brief #6, July 7, 2014.
18 Employer Provided Health Insurance Source: 19th Annual Towers Watson/National Business Group on Health Employer Survey on Purchasing Value in Health Care, 2014
19 Employer Provided Health Insurance Source: 19th Annual Towers Watson/National Business Group on Health Employer Survey on Purchasing Value in Health Care
20 Employer Provided Health Insurance Employers face new costs under the ACA Fees that insurers pay to the federal government, which they may pass on to employers. 2015: report whether and what insurance offered to employees. 2015: requirement for large employers to provide affordable coverage to their workers.
21 Employer Provided Health Insurance Excise tax on high-cost coverage ( Cadillac tax ) Plan sponsors must pay a 40% tax on the difference between $10,200 (self-only coverage) or $27,500 (family coverage) and the actual cost of any employer-sponsored insurance Dollar amounts increase, indexed to inflation Includes total cost of coverage (both employer AND employee share of premium) Not in effect until 2018, but many employers starting to think about and prepare plan design changes now
22 How much will insurance coverage and premiums change in 2014? TABLE 3: Changes in Per-capita Employer Spending Due to the ACA, Simulated as if the ACA is Fully Implemented in 2012 All Employers Small firms (100 or fewer employees) Mid-size firms (101-1,000 employees) Large firms (More than 1,000 employees) Total per-capita employer spending Total per-capita employer spending Total per-capita employer spending Total per-capita employer spending Without Reform ACA % Difference $3,653 $3, % $4,126 $3, % $3,509 $3, % $3,683 $3, % Note: Persons reporting ESI coverage in households where no policyholder is identified are included in the total calculations but not the firm size groups. Source: Urban Institute Analysis, HIPSM 2012
23 February 25, 2014
24 Fiscal Impact of the ACA Source: Congressional Budget Office,
25 Fiscal Impact of the ACA The insurance coverage provisions are only one way in which the ACA affects the federal budget. Other provisions are projected to reduce budget deficits. Smaller annual updates to Medicare provider payment rates. Reduced Medicare Advantage payment rates. Lower DSH payments In their most recent comprehensive estimates (July 2012), CBO and JCT predicted that the ACA s overall effect is to reduce federal deficits.
26 Healthcare Spending Source: Congressional Budget Office presentation to Stanford Institute for Economic Policy Research, May 13, 2014.
27 Healthcare Spending
28 Source: Health Affairs, 33, No. 1 (2014):67-77.
29 Medicare Spending Year Calendar Year Expenditures Medicare Trust Funds, Oct-June Source: CMS.gov, National Health Expenditure Data, and Actuarial Studies
30 How is Medicare Bending the Cost Curve? Accountable Care Organizations Bundled Payments for Care Improvement Hospital Readmissions Reduction Program
31 Accountable Care Organizations Reimbursing health care providers using the current fee-for-service system rewards providers for quantity, not quality. No one provider takes responsibility for the overall health of the patient. On the other hand, capitated payment systems provide incentives to deny services. We have a fragmented health care delivery system, leading to waste, which drives up costs.
32 Accountable Care Organizations Section 3022 of the Affordable Care Act established the Medicare Shared Savings Program for Accountable Care Organizations (ACOs) as a potential solution to balance the incentives to overprovide vs. underprovide services. An ACO is a group of health care providers caring for a specific patient population who will share savings with Medicare that are achieved through delivering quality health care.
33 Accountable Care Organizations ACO must agree w/medicare to participate for at least 3 years. Must be legally structured in a manner to receive and distribute payment within that ACO. Include primary care providers sufficient to cover beneficiaries, which must number at least 5,000 Demonstrate that it meets quality criteria related to patient/caregiver satisfaction, care coordination, and patient safety.
34 How are patients assigned to the ACO? Organization and providers decide to participate in an ACO (PCPs must be exclusive to one ACO; Specialists can be part of multiple ACOs) Patients assigned to PCPs providing most primary/preventive care relative to other primary care physicians in other ACOs or non-aco organizations. If unassigned, consider other provider types.
35 Medicare ACO results as of September ACOs caring for 5.6m elderly Americans 64 saved Medicare enough $ to earn bonuses summing to $445m. Overall savings to Medicare of $372m. Quality measures also improved for ACOs.
36 Bundled Payments Traditionally, Medicare makes separate payments to providers for each of the individual services they furnish to beneficiaries for a single illness or course of treatment. e.g., A patient admitted to a hospital with heart failure will generate a payment for the hospital, payment for multiple physician services, and perhaps post-discharge costs (skilled nursing facility or hospital readmission). Medicare is experimenting with offering a provider one bundled payment to cover all services associated with an illness or course of treatment. Hospital admission for heart failure and for the subsequent 30 days, regardless of when the patient is discharged.
37 Bundled Payment Participating Facilities Model Organization Name City State Episodes Model 1 JFK Medical Center Edison NJ All DRGS Model 1 Robert Wood Johnson University New Brunswick NJ All DRGS Model 2 Baptist Medical Center San Antonio TX Congestive Heart Failure Model 2 Model 3 Hospital of the University of Pennsylvania Encompass Home Health of Houston Philadelphia PA UTI, Stroke, Revision of the hip/knee, etc. Houston TX UTI, Stroke, Revision of the hip/knee, etc. Model 4 Valley Baptist Medical Center - Harlingen Harlingen TX Spinal fusion, Major joint replacement of the lower extremity, etc.
38 Hospital Readmissions Reduction Program CMS reduced payments to acute care hospitals with excess readmissions, effective 10/1/12 Initially targets AMI, Heart Failure, and Pneumonia Excess readmission ratio Comparison of hospital s risk-adjusted readmission performance to national average Based on 3 years of discharge data with minimum of 25 cases per condition per hospital Payment reductions applied to all Medicare admissions if riskadjusted readmission rate exceeds average Capped at 1% in FY 2013; 2% in FY 2014; 3% in FY 2015 Source: https://www.cms.gov/medicare/medicare-fee-for-service-payment/acuteinpatientpps/readmissions- Reduction-Program.html
39 Hospital Readmissions Reduction Program Analysis of year-1 results 2,189 (66.7%) will receive payment cuts. Percent of Hospitals Highly Penalized Large (400+ beds) 40% Teaching 44% Safety Net 44% Small (<200 beds) 20% Non-Teaching 33% Non-Safety Net 30% Source: K.E. Joynt, A.K. Jhan, JAMA 2013: 309(4):
40 Source: U.S. Department of Health and Human Services, May 7, 2014
41 Is Health Care Becoming More Affordable: For the previously uninsured? Yes. Several million have received subsidies to purchase insurance through the Marketplace, or received Medicaid in expansion states. For workers covered by large employers? On the positive side, premium growth has slowed, which may or may not be related to Obamacare. On the negative side, insurers must now pay fees associated with the ACA.
42 Is Health care Becoming More Affordable: For workers covered by small employers? No. Premiums are expected to rise on average. There is no good estimate of how much premiums will rise, or which small firms will offer coverage. There are likely to be some big winners and losers. For the taxpayer? The ACA is estimated to be deficit reducing in the long run. However, health care is consuming an increasing portion of the federal budget. While ACA measures may reduce Medicare spending somewhat, we must do much more to reduce the federal debt.
Healthcare Reform (ACA) Update Greater Magnolia Chamber of Commerce FREDDY WARNER System Executive, Public Policy & Government Relations Memorial Hermann Health System March 27, 2014 PRESENTATION OUTLINE
Hospitals and the Affordable Care Act (ACA) General Housekeeping If you experience any technical difficulties during the webinar, please contact GoToMeeting.com Corporate Account Customer Support at: 1-888-259-8414
The Affordable Care Act What does it mean for internists? Joshua Becker MD 10/14/2015 VII. 2015 Reforms and Beyond Payment Penalties under Medicare s Pay-for-Reporting Program Value-Based Payment Modifier
Getting Ready for 2014: The Big Year for Healthcare Reform Anne Arundel County SHRM David Johnson firstname.lastname@example.org November 15, 2012 0 Topics for Discussion 1. Recap of Supreme Court Decision on Affordable
Health Reform Monitoring Survey -- Texas Issue Brief #1: Were Texans Satisfied with the Cost of Health Care and Health Insurance Prior to the Affordable Care Act? February 10, 2014 Vivian Ho, PhD, Elena
The Patient Protection & Affordable Care Act: Next Steps in Maine February 8, 2013 1 Maine Medical Association Voluntary membership association of over 3,600 Maine physicians, residents, and medical students
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
Health Reform: The Cost of Failure and the Implications of Success Bowen Garrett John Holahan June 17, 2010 National Association for Business Economics www.healthpolicycenter.org The Affordable Care Act
Accountable Care Organizations: An old idea with new potential Stephen E. Whitney, MD, MBA Testimony to Senate State Affairs September 22, 2010 Impetus for ACO Formation Increased health care cost From
Spencer Berthelsen, M.D. Texas Club of Internists April 4, 2014 Cost The US spends twice as much per capita as the average of other industrialized nations Institute of Medicine 30% of healthcare dollars
Minutes Carver College of Medicine Fall Faculty Forum: Health Care Reform Legislation - Its Implementation and Impact on UI Health Care Tuesday, October 26, 2010 Presenters: Vice-President Jean Robillard,
THE FUTURE OF EMPLOYER BASED HEALTH INSURANCE FOLLOWING HEALTH REFORM National Congress on Health Insurance Reform Washington, D.C., January 20, 2011 Elise Gould, PhD Health Policy Research Director Economic
Lynn A. Blewett, Ph.D. Professor, University of Minnesota Westlake Forum III Healthcare Reform in China and the US: Similarities, Differences and Challenges Emory University, Atlanta, GA April 10-12, 2011
Updated July 2013 Premium Tax Credits: Answers to Frequently Asked Questions Beginning in 2014, millions of Americans will become eligible for a new premium tax credit that will help them pay for health
National Healthcare Reform: Implications for Nursing Education and Practice UMass Graduate School of Nursing Alumni Association Program June 4, 2010 Katharine London 2 Goals for Today s Presentation Explain
What is an Accountable Care Organization Amit Rastogi, MD President/CEO PriMed Goals Why is U.S. healthcare undergoing dramatic change How reimbursement structures are likely to change What is the timeline
Healthcare Reform: Preparing Your Practice For Implementation of the HMWC Healthcare Education Leadership Program Affordable Care Act (ACA) September 12, 2013 Main Provisions Signed into law on March 23,
HEALTHCARE REFORM CARE DELIVERY AND REIMBURSEMENT MODELS April 10, 2014 1 MARKETPLACE UPDATE 2 MARKETPLACE - ESSENTIAL HEALTH BENEFITS 3 MARKETPLACE - METAL LEVELS 4 WHAT IS THE HEALTH INSURANCE MARKETPLACE
Accountable Care Organizations: Forging Stakeholder Partnerships for Health Care Performance and Efficiency Julie Lewis Director of Health Policy Dartmouth Institute for Health Policy and Clinical Practice
Presented by Kathleen S. Wyka, AAS, CRT, THE AFFORDABLE CA ACT AND ITS IMPACT ON THE RESPIRATORY C PROFESSION At the end of this session, you will be able to: Identify ways RT skills can be utilized for
The Affordable Care Act and North Carolina Christopher J. Conover, PhD Center for Health Policy and Inequalities Research Duke University March 12, 2014 Roadmap What is in the ACA as it relates to healthcare/
Fact Sheet AARP Public Policy Institute How Health Reform Will Affect Health Care Quality and the Delivery of Services The recently enacted Affordable Care Act contains provisions to improve health care
Health Reform Monitoring Survey -- Texas Issue Brief #20: Insured Texans lack clear understanding of their health insurance plans March 2016 Shao-Chee Sim, PhD, Elena Marks, JD, MPH, Vivian Ho, PhD, and
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
Coverage for Tennessee s uninsured that is market-based, promotes personal responsibility, addresses cost, and is a big step towards real healthcare reform in Tennessee. What is Insure Tennessee? 2 What
Affordable Care Act: Smooth or White Waters Ahead? Kathleen Bradbury-Golas, DNP, RN, NP-C, ACNS-BC Assistant Professor, Felician College Family Nurse Practitioner, Virtua Atlantic Shore Family Practice
The Continued Need for Reform: Building a Sustainable Health Care System Sustainable reform must address cost and quality, while expanding coverage through a vibrant and functional marketplace As the largest
Value Based Care and Healthcare Reform Dimensions in Cardiac Care November, 2014 Jacqueline Matthews, RN, MS Senior Director, Quality Reporting & Reform Quality and Patient Safety Institute Cleveland Clinic
Virtual Mentor American Medical Association Journal of Ethics November 2011, Volume 13, Number 11: 817-821. OP-ED The Affordable Care Act A New Way Forward Vivian Ho, PhD On March 23, 2010, President Obama
Overview of Policy Options to Sustain Medicare for the Future Juliette Cubanski, Ph.D. Associate Director, Program on Medicare Policy Kaiser Family Foundation email@example.com Medicare NewsGroup Journalism
Affordable Care Act at 3: Strengthening Medicare ISSUE BRIEF Fifth in a series May 22, 2013 Kyle Brown Senior Health Policy Analyst 789 Sherman St. Suite 300 Denver, CO 80203 www.cclponline.org 303-573-5669
Affordable Care Act: Train Wreck or Golden Opportunity? Annual Meeting of The American Society for Automation in Pharmacy January 16, 2014 Brad Kile, PhD " Disclosure Brad Kile is an independent consultant
ACA Premium Impact Variability of Individual Market Premium Rate Changes Robert M. Damler, FSA, MAAA Paul R. Houchens, FSA, MAAA BACKGROUND The Patient Protection and Affordable Care Act (ACA) introduces
Medicare Shared Savings Program Eastern Michigan Chapter of HFMA Insurance and Reimbursement Committee April 30, 2015 Presenter: Kenneth B. Lipan, FHFMA Director of Finance: Clinical Integration, Unified
HEALTHCARE CHANGES AFFECTING YOUR PRACTICE Vinay Kumar MD, FACS, ABVM Endovascular options Dallas, Texas HEALTH CARE CHANGES 1 st Major overhaul of health care system since WWII introduction of 3 rd party
illinois health insurance marketplace healthcare reform is coming. find answers here. healthcarereform.illinois.gov The Affordable Care Act. What it means for you. In March of 2010, the Affordable Care
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
INDIVIDUAL HEALTH INSURANCE GUIDE Introduction On November 15th, 2014, the second annual Open Enrollment Period for Individual Health Insurance begins. The Affordable Care Act (ACA) requires all US citizens
Impact of the Health Insurance Annual Fee Tax Robert A. Book, Ph.D. February 20, 2014 Executive Summary The Affordable Care Act's "annual fee on health insurance is a unique tax levied on health insurance
Educational Presentation: Affordable Care Act City of Boston PEC Meeting April 8, 2014 Discussion Topics Affordable Care Act Plan Design Implications ACA Wellness Guidelines Assuring Administrative Compliance
Medicare Advantage: The overlooked cornerstone of healthcare reform June 8, 2013 Grace-Marie Turner Galen Institute Medicare: Still basically the 1965 model A social insurance program to help pay for hospital
GAO United States Government Accountability Office Report to the Ranking Member, Committee on the Budget, U.S. Senate January 2013 PATIENT PROTECTION AND AFFORDABLE CARE ACT Effect on Long-Term Federal
Running Head: COST-CONTROLLING MEASURES OF THE A.C.A. 1 Lesser Politicized Cost-Controlling Measures of the Affordable Care Act: Literature Review Robin Persun Excelsior College COST-CONTROLLING MEASURES
Timeline: Key Feature Implementations of the Affordable Care Act The Affordable Care Act, signed on March 23, 2010, puts in place health insurance reforms that will roll out incrementally over the next
Accountable Care Organizations and Behavioral Health Indiana Council of Community Mental Health Centers October 11, 2012 What is an ACO? An accountable care organization is a group of providers or suppliers
Accountable Care Organizations & Other Reimbursement Reforms: The Impact on Physician Practices Martin Bienstock, Esq. Wilson Elser Martin.Bienstock@WilsonElser.com The New York Times Take... For the first
Private Health Insurance: Changes Made by the Reconciliation Act of 2010 to Senate-Passed H.R. 3590 Hinda Chaikind Specialist in Health Care Financing Bernadette Fernandez Analyst in Health Care Financing
Medicare Shared Savings Program Shared Savings Program http://www.cms.gov/savingsprogram/ Centers for Medicare & Medicaid Services February 2012 Medicare Shared Savings Program (Shared Savings Program)
Massachusetts US Census Bureau 2011 Population: 6,587,536 Average persons per household: 2.48 Female persons: 51.6% Persons under 18: 21.3% Caucasian: 84.1% African American: 7.8% Asian: 5.6% Latino: 9.9%
THE AFFORDABLE CARE ACT IMPACT ON YOUR MEDICAL PRACTICE Dennis Olmstead, MPA Vice President Practice Economics & Payer Relations Pennsylvania Medical Society Kaiser Health Tracking Poll Poll (March 2013)
Background Sec. 3022 of the Patient Protection and Affordable Care Act (PPACA) requires the Secretary to establish the Medicare Shared Savings Program by Jan. 1, 2012 Program goals: Promote accountability
And Changes under Healthcare Reform affecting businesses 1 Individual Mandate 2 First there were two choices Under the Affordable Care Act every individual must have Minimum Essential Healthcare Coverage
Health Reform Employer Penalty Delay: What are the Consequences? Martin Haitz (484) 270-2575 firstname.lastname@example.org Issued date: 07/29/13 The employer penalty provisions and two reporting requirements
Walden University Q & A continued from Webinar Todd Linden General Note: The answers to these questions are my opinion. The mountain of rules and regulations that will be produced from this legislation
OUTLINE OF HEALTH CARE OVERHAUL LEGISLATION PREPARED FOR AOA MEMBERS BY THE WASHINGTON OFFICE, MARCH 2010 More than 16 months after a far-reaching overhaul of the nation s health care system became the
Health Policy Essentials: Private Health Insurance Bernadette Fernandez, Annie Mach, & Namrata Uberoi February 13, 2015 Briefing Agenda What is the purpose of private health insurance (PHI)? How is PHI
R E F O R M Changing Economics in an Era of Healthcare Reform Nathan S. Kaufman, Managing Director, Kaufman Strategic Advisors, LLC As health systems prepare for healthcare reform, they are focusing significant
Facilities contract with Medicare to furnish acute inpatient care and agree to accept predetermined acute Inpatient Prospective Payment System (IPPS) rates as payment in full. The inpatient hospital benefit
FAQ New Health Insurance Law (Enacted on March 21, signed into law on March 23, and amended on March 25) On March 23, 2010 President Barack Obama signed the Patient Protection & Affordable Care Act (H.R.
Health Reform Monitoring Survey -- Texas Issue Brief #11: Effects of the Affordable Care Act on health insurance coverage in Texas as of March 2015 April 30, 2015 Vivian Ho, PhD and Elena Marks, JD, MPH
The Potential Impact of the Affordable Care Act on Urban Safety-Net Hospitals A Study by the National Association of Urban Hospitals September 2012 Introduction One by one and provision by provision, the
May 5, 2011 Health Care Reform: Seizing the Opportunity to Transform the Care Delivery System for Our Elders WAHSA 2011 Spring Conference & Annual Business Meeting: New Thoughts, New Directions Kathleen
An Employer s Guide to Health Care Reform Important details to navigate employer-provided benefits amidst a changing health care landscape. PAGE 1 Navigating a new health care landscape Health care reform,
N A T I O N A L PHYSICIANS A L L I A N C E My name is Dr. Valerie Arkoosh. I am an Anesthesiologist at the University of Pennsylvania School of Medicine and the President of the National Physicians Alliance.
Definition: The Patient Protection and Affordable Care Act (PPACA) - Also known as Obamacare or ACA - is a federal law that makes significant reforms to the United States health care system. Main Components
Term actuarial value Affordable Care Act allowed charge Definition The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%,
How the Affordable Care Act Affects Medical Support Orders in Oklahoma Frequently Asked Questions Spring, 2014 1 General 1. Did Oklahoma expand Medicaid? No, Oklahoma did not expand Medicaid. 2. Who is
Information last updated September 9, 2014 1 Two Choices The Affordable Care Act requires every individual to either: 1. Maintain Minimum Essential Coverage, or 2. Make a Shared Responsibility Payment.
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
1 BEA BRIEFING Affordable Care Act Transactions in the National Income and Product Accounts Benjamin A. Mandel THE PATIENT Protection and Affordable Care Act, often called the Affordable Care Act (ACA),
Page 1 of 10 Key Features of the Affordable Care Act, By Year On March 23, 2010, President Obama signed the Affordable Care Act. The law puts in place comprehensive health insurance reforms that will roll
The ABCs of Population Health Management Jennifer Houlihan, MSP Director of CIN Strategy, Integration and Population Health A view from the marketplace Employers seek Other health Systems for Clinically
FOR INVESTORS Planning for health care in retirement A guide to covering your medical expenses 1 Not FDIC Insured May Lose Value No Bank Guarantee You can stay on top of health care expenses The confidence
CONGRESSIONAL BUDGET OFFICE COST ESTIMATE January 7, 2015 H.R. 30 Save American Workers Act of 2015 As introduced in the House of Representatives on January 6, 2015 SUMMARY H.R. 30 would change how penalties
Summary of the Major Provisions in the Patient Protection and Affordable Care Act Updated 10/22/10 On March 23, 2010, President Barack Obama signed into law comprehensive health care reform legislation,
The Estimated Effect of the Affordable Care Act on Medicare and Medicaid Outlays and Total National Health Care Expenditures Testimony before the House Committee on the Budget January 26, 2011 by Richard
Texas Affordable Care Act Implementation: Challenges and Opportunities Texas Robert Greenwald Clinical Professor of Law Director, Center for Health Law and Policy Innovation of Harvard Law School January
Health Care Reform & The Health Insurance Marketplace Presented by Mikal A Jeffries, CEBS Account Manager 1 Health Care Reform Review Goals of Health Care Reform Increase number of Americans with health