Health Reform for BrokersMaking Reform Work

Learning Links & Tools

Translating Health Reform

Watch the Health Reform Movie

Estimate your clients' premium savings under the new law

Calculate your clients' tax credit

Watch the Tax Credit Movie

Read the full law (906 pages in PDF format, 2.21 MB)

Health Reform Sales Opportunities

Use the tax credit to prospect new small business plans that may not have been able to afford insurance

Book more business with the dependent coverage extension

Increase retention of group plans by explaining the major provisions of health reform to them

Health Reform: Top 10 Things You Should Know

Health reform includes many important changes. Some of the changes will be clarified with future regulations. Listed below are 10 things you should know about health reform.

1.	More than 4 million small businesses may be eligible for new tax credits designed to encourage small employers to offer health insurance coverage for the first time or to maintain coverage they already have.
2.	The law is funded in part by a 0.9% Medicare HI tax increase on wages over $200,000 for individuals and $250,000 for married couples beginning in 2013.
3.	Starting in 2014, employers with over 50 employees will be subject to a penalty if any of the company's full-time employees receive a premium credit towards an Exchange.
4.	Certain pre-existing condition exclusions, lifetime limits, and annual dollar caps will be phased out from 2010 to 2014.
5.	Certain preventive services are provided without cost-sharing for new plans beginning on or after September 23, 2010.
6.	Dependents under age 26 may be offered extended coverage for plan years on or after September 23, 2010.
7.	Most Americans will be required to have health insurance starting in 2014 or pay a penalty tax.
9.	Contribution limits for Flexible Spending Accounts under cafeteria plans will be $2,500 beginning in the 2013 tax year.
9.	Beginning in 2014, large employers not offering health insurance coverage will be subject to a penalty if any of the company's full-time employees receive a premium credit toward an exchange plan.
10.	The Early Retiree Reinsurance Program provides reimbursement to sponsors of participating employment-based plans for a portion of the cost of health benefits for early retirees and their spouses, surviving spouses, and dependents. Applications submitted after 5 pm ET on 5/5/2011 are not eligible.

Effective September 23, 2010, federal health reform may require changes to your coverage, depending on your plan.
Get more information.

This site offers information drawn from sources that are believed to be reliable, but it cannot be guaranteed as to completeness or accuracy. The content is not intended to be, and should not be relied upon as, tax, legal, financial, or health care advice.

Effective September 23, 2010, federal health reform may require changes to your coverage, depending on your plan. Get more information.

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