This resource focuses on the ACA provisions that affect employers and employer-sponsored health plans. As your one-stop guide, this site offers both quick facts and detailed summaries for each key provision, along with toolkits and resources for employers and their advisors, and links to federal sources for supporting documentation. For your convenience, material is organized in major categories.
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On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act, a sweeping federal health care reform law now referred to simply as the Affordable Care Act (ACA). The ACA takes effect on staggered dates between 2010 and 2018.
The law’s main purpose is to ensure that all individuals have some form of health care coverage, whether through employer-sponsored plans, individual insurance policies, or governmental programs. To achieve this end, the law:
- Expands governmental programs (Medicare, Medicaid, and CHIP).
- Improves patient protections and minimum standards for individual policies and group health plans.
- Creates state health insurance exchanges (Marketplaces) for residents and small businesses to compare and choose insurance options sold by private insurers and HMOs.
- Offers subsidies for small employers to provide health coverage to employees.
- Requires large employers to offer group health coverage options to full-time employees or face potential penalties if the employees receive government subsidies to buy individual policies.