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Healthcare Reform Timeline

Our timeline will help you learn about reform rules. With each year, new Patient Protection and Affordable Care Act (PPACA) rules, called provisions, go into effect. The law focuses on health insurance reform, and there’s still a lot of work to be done to make health care affordable and to improve the quality of services. At SWIA, our goal is to help you understand the law so you can address changes and impacts.

  • Adult child coverage extended to age 26
  • No pre-existing conditions exclusion for children under age 19
  • Lifetime limits on coverage prohibited
  • Preventative services with no cost sharing
  • Minimum medical loss ratio (MLR) for health plans
  • HSA, HRA, and Medical FSA limitations for over the counter (OTC) medications
  • Increased withdrawal penalties on HAS accounts
  • Discounts in Medicare Part D coverage
  • Non-discrimination rules apply to insured plans
  • Annual rate reviews begin
  • Uniform summary of benefits and coverage (SBC)
  • Material modification of plan provisions change to 60 days
  • Medicare payments reduced for preventative hospital re-admissions
  • Employer sponsored health benefits reporting on W-2
  • FSA contribution limitations
  • Medicare tax on high wage earners
  • Reduced deduction for retiree prescriptions
  • Begin PCORI plan fee
  • Employee notification of exchanges due by 10/1/2013
  • Open Enrollment Begins for 2014 on 10/1/2013
  • Small employer tax credit through exchange
  • Exchange coverage begins for Individual & small group
  • Standardized ‘Essential Health Benefits’ coverage
  • Individual mandate for health coverage
  • Elimination of pre-existing conditions in adults
  • Prohibits benefit waiting periods beyond 90 days
  • Elimination of health status rating
  • HIPAA nondiscrimination rules on wellness programs
  • Redefined small group sizes
  • Mandated levels of coverage
  • Open Enrollment Ends for 2014 - February 28th
  • Open Enrollment Begins for 2015 - October 1st
  • Open Enrollment Ends for 2015 - December 7th
  • Employer mandate ‘Pay or Play’ rules begin
  • 40% Excise Tax on High-cost “Cadillac” Plans

  • Adult child coverage extended to age 26
  • No pre-existing conditions exclusion for children under age 19
  • Lifetime limits on coverage prohibited
  • Preventative services with no cost sharing
  • Minimum medical loss ratio (MLR) for health plans
  • HSA, HRA, and Medical FSA limitations for over the counter (OTC) medications
  • Increased withdrawal penalties on HAS accounts
  • Discounts in Medicare Part D coverage
  • Non-discrimination rules apply to insured plans
  • Annual rate reviews begin
  • Uniform summary of benefits and coverage (SBC)
  • Material modification of plan provisions change to 60 days
  • Medicare payments reduced for preventative hospital re-admissions
  • Employer sponsored health benefits reporting on W-2
  • FSA contribution limitations
  • Medicare tax on high wage earners
  • Reduced deduction for retiree prescriptions
  • Begin PCORI plan fee
  • Employee notification of exchanges due by 10/1/2013
  • Open Enrollment Begins for 2014 on 10/1/2013
  • Small employer tax credit through exchange
  • Exchange coverage begins for Individual & small group
  • Standardized ‘Essential Health Benefits’ coverage
  • Individual mandate for health coverage
  • Elimination of pre-existing conditions in adults
  • Prohibits benefit waiting periods beyond 90 days
  • Elimination of health status rating
  • HIPAA nondiscrimination rules on wellness programs
  • Redefined small group sizes
  • Mandated levels of coverage
  • Open Enrollment Ends for 2014 - February 28th
  • Open Enrollment Begins for 2015 - October 1st
  • Open Enrollment Ends for 2015 - December 7th
  • Employer mandate ‘Pay or Play’ rules begin
  • 40% Excise Tax on High-cost “Cadillac” Plans

2010 -

Summary:

Adult child coverage extended to age 26

Summary:

No pre-existing conditions exclusion for children under age 19

Summary:

Lifetime limits on coverage prohibited

Summary:

Preventative services with no cost sharing

Summary:

2011 -

Summary:

Minimum medical loss ratio (MLR) for health plans

Summary:

HSA, HRA, and Medical FSA limitations for over the counter (OTC) medications

Summary:

Increased withdrawal penalties on HAS accounts

Summary:

Discounts in Medicare Part D coverage

Summary:

Non-discrimination rules apply to insured plans

Summary:

Annual rate reviews begin

Summary:

2012 -

Summary:

Uniform summary of benefits and coverage (SBC)

Summary:

Material modification of plan provisions change to 60 days

Summary:

Medicare payments reduced for preventative hospital re-admissions

Summary:

2013 -

Summary:

Employer sponsored health benefits reporting on W-2

Summary:

FSA contribution limitations

Summary:

Medicare tax on high wage earners

Summary:

Reduced deduction for retiree prescriptions

Summary:

Begin PCORI plan fee

Summary:

Employee notification of exchanges due by 10/1/2013

Summary:

Open Enrollment Begins for 2014 on 10/1/2013

Summary:

2014 -

Summary:

Small employer tax credit through exchange

Summary:

Exchange coverage begins for Individual & small group

Summary:

Standardized ‘Essential Health Benefits’ coverage

Summary:

Individual mandate for health coverage

Summary:

Elimination of pre-existing conditions in adults

Summary:

Prohibits benefit waiting periods beyond 90 days

Summary:

Elimination of health status rating

Summary:

HIPAA nondiscrimination rules on wellness programs

Summary:

Redefined small group sizes

Summary:

Mandated levels of coverage

Summary:

Open Enrollment Ends for 2014 - February 28th

Summary:

Open Enrollment Begins for 2015 - October 1st

Summary:

Open Enrollment Ends for 2015 - December 7th

Summary:

2015 -

Summary:

Employer mandate ‘Pay or Play’ rules begin

Summary:

2018 -

Summary:

40% Excise Tax on High-cost “Cadillac” Plans

Summary:

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