Health Reform for Small EmployersMaking Reform Work

Learning Links & Tools

Translating Health Reform

Watch the Health Reform Movie

Calculate your health premium savings under the law

Health Reform Revenue Provisions

Watch the Tax Credit Movie

Read about the W-2 Rules in IRS Notices 2012-9 and 2011-28

Read the Summary of Benefits & Coverage Rules

Read the main law (906 pages in PDF format, 2.17 MB)

Read amendments to the law (55 pages in PDF format)

Add Benefits With Your Tax Credit

Use the savings from your tax credit to start a wellness program

Add a dental plan

Add a vision plan

Increase employer contributions

Health Reform: Top 10 Things You Should Know

Listed below are 10 things a small business may want to know about the new health reform changes.

1.	On June 28, 2012, the U.S. Supreme Court upheld the federal healthcare reform law.
2.	Small Business Health Care Tax Credits may help provide insurance benefits.
3.	Certain preventive services will be provided to adults and children with no out-of-pocket cost.
4.	Additional preventive services for women are available with no cost-sharing for plans that begin or renew on or after August 1, 2012.
5.	Dependents under age 26 may be offered extended coverage.
6.	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.
7.	Most Americans will be required to have health insurance starting in 2014 or pay a penalty tax. A temporary high-risk pool is available to provide coverage prior to 2014 for people with pre-existing medical conditions.
8.	Annual contribution limits for Flexible Spending Accounts take effect on January 1, 2013. The 2013 limit is $2,500 and may be adjusted annually by the IRS.
9.	Reporting Health Coverage Costs on employees' W-2s will remain voluntary for small employers (fewer than 250 W-2s) until at least the 2013 tax year. To learn more, read the IRS checklist.
10.	Starting in 2014, you may be able to buy insurance through an Exchange, an insurance marketplace where individuals and small businesses can buy qualified health benefit plans.

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.

EmblemHealth, Inc. is the parent company of GHI and HIP.