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Reform News

ObamaCare & Maternity Coverage

The Affordable Care Act (ACA), also known as ObamaCare, made a number of changes to how Americans access health care. By changing the requirements on insurance companies, the ACA made healthcare more accessible to many Americans. In addition, ObamaCare made certain types of coverage mandatory in all new insurance plans. This affected many types of […]

ObamaCare and Pre-Existing Conditions

The Affordable Care Act (ACA), also known as ObamaCare, is a major piece of legislation that affects all areas of the health insurance industry. One of the biggest changes involves how insurance companies handle new applicants who have an existing illness. In the health insurance industry, any existing illness is known as a “pre-existing condition.” […]

2015 ObamaCare: Premiums, Rates, & Predictions

Americans are slowly adjusting to the changes brought about by the Affordable Care Act (ACA), also known as ObamaCare. However, there are concerns that there are still more changes ahead – and that some of these changes to come may not be easy to live with. In particular, there are a lot of questions surrounding […]

ObamaCare for Full and Part-Time Employees

There were many concerns that arose when the Affordable Care Act, also known as ObamaCare, was passed. One of the topics of discussion was the effect ObamaCare would have on the workforce. Prior to the ACA, employers could decide whether or not to offer health insurance to staff. Some companies offered insurance to all employees, […]

ObamaCare Changes in 2015

Many major laws take time to reach full implementation. This is especially true for the Affordable Care Act (ACA), also known as ObamaCare. The ACA takes several years to become fully effective, culminating in 2020. Most of the significant reforms were effective January 1, 2014. These included operational state and federal health insurance marketplaces; regulations […]

Breakdown of ObamaCare Infographic

The Affordable Care Act — often referred to as ObamaCare — has brought many changes to health insurance and the way Americans purchase it. It can be difficult to keep track of all of these changes and the new services that are now offered to Americans as a result of the ACA. In an effort […]

Understanding ObamaCare Subsidies

One of the key features of the Affordable Care Act (ACA), also known as ObamaCare, is that it provides financial assistance for Americans with qualifying income who purchase private health insurance through the Marketplace. To Americans using the Marketplace, the assistance, sometimes called a subsidy, is invisible – they simply pay lower monthly payments to […]

ObamaCare and Doctors and Hospitals

Overall many of the effects of the Affordable Care Act (ACA), also known as ObamaCare, remain to be seen. However, there have already been significant impacts on the functions of doctors and hospitals as insurance companies respond to the law. As a consumer, these changes could directly affect your health care experience, so it’s important […]

ObamaCare and Medicaid Eligibility

When passed, the Affordable Care Act (ACA), also known as ObamaCare, envisioned that every state would expand Medicaid guidelines to include those who made up to 138% of the federal poverty level. This would insure that lower-income Americans, especially those without children or those who would not qualify for financial assistance in the Marketplace, would […]

ObamaCare and the Young Invincibles

Health insurance is purchased for actual physical need or simply for peace of mind. If you’re already ill, or expect to have health issues, your need for health coverage is clear. If you aren’t ill and don’t expect to have health needs in the near future, health insurance can seem like an unnecessary expense. Most […]

Could Your State Become Exempt from ObamaCare?

Many major pieces of legislation are highly controversial, and the Affordable Care Act (ACA), also known as ObamaCare, is no exception. One of the most debated aspects about the law was whether the government could require Americans to have health insurance or pay a penalty. The ACA states that Americans that did not apply for […]

Who is Exempt From ObamaCare?

Most major legislation will almost assuredly ignite some form of controversy. The Affordable Care Act (ACA), also known as ObamaCare, is certainly no different. One of the most contentious parts of the ACA is known as the “individual mandate” – that every American has to have qualified health insurance coverage or they will face a […]

Limited Benefit Plans Under ObamaCare

With the passage of the Affordable Care Act (ACA), also known as ObamaCare, most health insurance plans are required to offer certain essential benefits. They also cannot limit annual or lifetime payouts. As a result, these comprehensive plans may have a substantial monthly premium. This is especially true of plans that have low cost-sharing, such […]

ObamaCare and Calorie Counts

Amidst the controversy over Medicaid expansion and individual mandates, some other important provisions of the Affordable Care Act (ACA), also known as ObamaCare, have been overshadowed. One of these provisions requires calorie counts to be listed for all restaurants and vending machines with more than 20 locations. The initial proposed regulation was issued in 2011. […]

How ObamaCare Affects TRICARE

TRICARE is the medical coverage for those that serve, defend, and protect our nation in the Armed Forces. Many military members are concerned that the Affordable Care Act (ACA), also known as ObamaCare, will affect TRICARE or change the coverage in some way. The ACA does not change the coverage offered through TRICARE. Veterans Affairs […]

ObamaCare Enrollment Deadline Extended

The roll-out of health care reform under the Affordable Care Act (ACA) — more commonly known as ObamaCare — has seen several deadline shifts since the HealthCare.gov website opened on October 1st, 2013. Now, in order to ensure as many Americans as possible have health care coverage, the Obama Administration plans to extend the deadline […]

State Alternatives to Medicaid Expansion

When the Obama Administration and Congress originally envisioned the Affordable Care Act (ACA), also known as ObamaCare, they intended for every state to expand Medicaid eligibility guidelines to include Americans who earn up to 138% of the federal poverty level. However, the Supreme Court ruled that states could not be required to make this change, […]

Grandfathered vs. Non-Grandfathered Plans Under ObamaCare

On March 5th, 2014, the Obama Administration announced that it was giving states the option to further extend non-grandfathered health insurance plans. This announcement created some questions for consumers: What are non-grandfathered plans? Why would they be extended? And most of all, how does this affect me? Understanding Grandfathered Plans The Affordable Care Act (ACA), […]

ObamaCare’s Transitional Policy Fix Update

One of the biggest controversies surrounding the Affordable Care Act (ACA), also known as ObamaCare, is the continuation of non-ACA compliant policies. While policies in existence since March 23rd, 2010, may be grandfathered, depending on changes the insurance company has made to the policy, many Americans found out that their current insurance plans sold after […]

How Americans with HIV and AIDS are Impacted by ObamaCare

The passage of the Affordable Care Act (ACA), also known as ObamaCare, brought significant changes to the health care industry. While there was — and is — much controversy about the law, many of the changes ObamaCare brought were favorable to Americans dealing with chronic illnesses, such as HIV/AIDS. Those with HIV/AIDS have struggled for […]

ObamaCare’s Impact on the Labor Force

Since the implementation of the Affordable Care Act (ACA), also known as ObamaCare, many Americans have had numerous questions and concerns. Perhaps one of the most often repeated questions regards how ObamaCare will affect the US economy. Not only are Americans are concerned about the up-front costs associated with ObamaCare, but they are also concerned […]

Age Demographics and Health Care Marketplace Coverage

Since the implementation of the Affordable Care Act (ACA), also known as ObamaCare, the government has been trying to encourage Americans to obtain health insurance. Millions of Americans have, but many have not. Understandably, those who have chosen not to obtain insurance are those individuals who least use health insurance. Unfortunately, that drives up the […]

ObamaCare’s Impact on Presidential Approval Ratings

Few topics have been as divisive as health care reform. One attempt to change the American health insurance system in the 1990s met with failure. However, in 2010, the Obama administration succeeded in passing the Affordable Care Act (ACA), also known as ObamaCare. This reform has been met with both praise and widespread criticism. A […]

How to Update Coverage Purchased from the Marketplace

With the passage of the Affordable Care Act (ACA), also known as ObamaCare, thousands of Americans who previously did not have access to health insurance have now purchased coverage. Life changes happen to all of us, and many Americans have questions about when — and how — they can make changes to their health insurance […]

Understanding Your New Health Insurance Coverage

The Affordable Care Act (ACA), also known as ObamaCare, has given millions of Americans access to new insurance policies. These policies include a number of benefits such as essential health coverage, rules against denying coverage or charging more for pre-existing conditions, and more. To get the most out of your insurance plan, it is essential […]

How ObamaCare Affects Mental Health Care

The Affordable Care Act (ACA), also known as ObamaCare, has increased people’s access to mental health care. There are some significant benefits for those who need these services, especially on a regular basis. Effects of the ACA on Mental Health Care The existence of the Marketplace means that many more Americans have access to health […]

Understanding Your Health Care Needs When Choosing a Marketplace Plan

Some Americans who were working with a variety of doctors for particular health conditions might now find that while some may be in the network of a new insurance plan, others may not. When selecting an insurance plan through the Marketplace, it is not easy to see what the expected costs are because networks are […]

Confirming Enrollment for Health Insurance from the Marketplace

For Americans who are using the insurance marketplaces created by the Affordable Care Act (ACA), also known as ObamaCare, there have been some difficulties. Initially, those who tried to enroll via the Healthcare.gov enrollment site had problems accessing the site. While many of the site’s glitches have been resolved since its October 1st launch, in […]

Late Applications for 2014 Health Coverage

As we enter 2014, many Americans are wondering about upcoming federal Marketplace deadlines for health insurance created by the Affordable Care Act (ACA), also known as ObamaCare. Many Americans are aware that the deadline for federal Marketplace insurance coverage effective January 1st was December 23rd. The Administration later extended the deadline for those who had […]

Legal and Illegal Immigrants and ObamaCare

Immigrant families have important details to consider when looking at new health insurance options under the Affordable Care Act (ACA), also known as ObamaCare. The law provides the option for lawfully present immigrants to obtain private insurance in the Marketplace, but undocumented immigrants are not included in this coverage. Knowing what documentation is needed and […]

How does ObamaCare Affect Dental Care?

Many Americans have questions about how dental care is affected by the Affordable Care Act (ACA), also known as ObamaCare. Overall, dental care is available to more Americans for two reasons: 1) pediatric dental care is considered an essential benefit for plans sold in the Marketplace and for all individual and small group plans outside […]

ObamaCare for Students

With the Affordable Care Act (ACA), also known as ObamaCare, there are more options for student health insurance than ever before. Not only can young adults be carried on their parent’s policy until they reach the age of 26, there are special low-premium “catastrophic” plans available for those under 30. These plans have low premiums, […]

How the ACA is Incentivizing Wellness

The Affordable Care Act (ACA), also known as ObamaCare, is most known for the expansion of access to health insurance, as well as improvements in what health insurance covers. However, the ACA also does a great deal to incentivize wellness. In the past, American health care was more of a “sick care” system. No one […]

ObamaCare Enrollment & Payment Deadlines

In order to ensure coverage by January 1st, 2014, the Obama administration set an initial December 15th, 2013 deadline for Americans to apply for health insurance. That date was extended by one extra week, to December 23rd before being extended yet again to December 24th to give applicants an extra safety margin to make up […]

An Overview of ACA Navigators & Their Duties

With the passage of the Affordable Care Act (ACA), also known as ObamaCare, health insurance options changed for many Americans. However, because of technical difficulties and the complexity of health insurance, many citizens may have difficulty understanding their available options and correctly applying for health insurance. Fortunately, ObamaCare provides $67 million in funding to form a […]

Health Insurance Marketplace Technical Glitches

Whenever a new program or system is introduced, there are always at least a few problems that arise. In the case of the Affordable Care Act (ACA), also known as ObamaCare, there have been many technical issues that prevented people from enrolling in health insurance plans using the Marketplace website. The most notable issues were […]

ObamaCare Scams and How to Avoid Them

The Affordable Care Act (ACA), also called ObamaCare, has changed the way that many Americans access health insurance. Unfortunately, there are those that take advantage of changes and new legislation to defraud Americans who may not fully understand the changes that are taking place. Current ObamaCare Scams Many ObamaCare schemes exist. These cons come in […]

How ObamaCare Affects the Rest of the World

In a nation as large as the United States, there is always the chance that major policy changes will impact the rest of the world. The Affordable Care Act (ACA), also known as ObamaCare, is a perfect example of this phenomenon. At first, it may seem odd that a domestic change in how Americans purchase […]

ObamaCare Small Business Tax Credits

As a result of the Affordable Care Act (ACA), also known as Obamacare, small businesses have an opportunity to receive tax credit assistance on their insurance premiums. For tax years 2010 through 2013, the maximum credit is 35 percent of premiums paid for small business employers and 25 percent of premiums paid for small tax-exempt […]

Purchasing Private Insurance Inside & Outside the Marketplace

Prior to the Affordable Care Act (ACA), also known as ObamaCare, health insurance options were more limited. For the most part, the only way that an individual without work-based health coverage could find health insurance was by buying private insurance (which could often be costly) on an individual basis. In addition, insurers could deny coverage […]

ObamaCare Myths and Misconceptions

Any time a significant piece of legislation is passed, general confusion leads to myths and falsehoods. The Affordable Care Act (ACA), also known as ObamaCare, is no different. When these myths are circulated as truth, they can cause unnecessary worry and concern. To help dispel the fears caused by ObamaCare myths, here are some common […]

Community Health Centers and ObamaCare

The Affordable Care Act, otherwise known as ObamaCare, has brought many changes to the United States health care system — many of which will directly affect how the public will obtain their health care. The primary purpose of the ACA is to help uninsured and underinsured Americans receive quality health care by increasing the affordability […]

ObamaCare for Children

The Affordable Care Act (ACA), also known as ObamaCare, gives parents a variety of options to get appropriate health insurance for their children. Parents currently have the option to cover their through their employer’s insurance plan  up to age 26 if their employer offers dependent care, take advantage of a marketplace plan, or use Medicaid […]

ObamaCare Tax

The Affordable Care Act (ACA), also known as ObamaCare, has made some changes in how Americans are taxed. Some taxes directly affect the cost of health insurance, and others are indirect. All of the changes to the tax law related to the ACA are intended to help fund the program and provide tax credits to […]

ObamaCare for Small Businesses

The Affordable Care Act (ACA), also known as ObamaCare, has given small business owners new options in providing health insurance for their employees. Through the Small Business Health Options Program (SHOP) marketplace, small business owners who employ 50 or fewer full time equivalent (FTE) staff, including part-time employees, can review health insurance options and choose […]

ObamaCare for the Self-Employed

Under the Affordable Care Act (ACA), also known as ObamaCare, self-employed Americans have new options for health insurance that were not previously available. Insurance market reforms such as not denying coverage because of a pre-existing condition, premiums that may not vary based on health status, and offering essential health benefits will allow self-employed Americans to […]

ObamaCare for the Unemployed

The Affordable Care Act (ACA), also known as ObamaCare, has expanded health insurance options for low income individuals around the country. Gaining health insurance when unemployed, however, is sometimes confusing. The health insurance or financial assistance an individual will qualify for will depend on primarily on income level. During periods of unemployment, income may come […]

Insurers Can Allow Renewal of Non-ACA Compliant Plans for 1 Year

In response to the backlash to his earlier statements that people will be able to keep their existing health insurance policies if they so choose, in a recent press statement President Obama noted that insurance companies offering individuals and small businesses plans that do not meet the minimum standards and requirements of the Affordable Care […]

Women’s Health Care Under the Affordable Care Act (ACA)

The Affordable Care Act (ACA), also known as ObamaCare, has made some very important changes that are intended to make health care more affordable and more easily accessible to women in all stages of life and health. This includes making access to health insurance for pregnant women more affordable and comprehensive. Before the ACA, many […]

How Individuals, Businesses & Families Will Be Affected by Tax Credits

The Affordable Care Act (ACA), also known as ObamaCare, is changing the way that Americans access health insurance. While the vast majority of Americans will continue to obtain health insurance from their workplace, others may now be able to purchase insurance on their own for the first time. To assist them, there will be either […]

How Pharmacies are Promoting ObamaCare

With the launch of the Health Insurance Marketplace website on October 1, several major pharmacy chains (including CVS and Walgreens) announced plans to help Americans explore their insurance coverage options under the Affordable Care Act. The new health care law passed in 2010 was designed to expand insurance access.  However, since polls have indicated that […]

The Unintended Consequences of ObamaCare

Though the Affordable Care Act and the recent launch of the insurance marketplace may be making health care more affordable for some, in its early stages, it may be producing some unexpected, adverse changes for individuals and families. ObamaCare was passed to help many American workers, but some are being impacted by shorter hours and […]

Does ObamaCare Benefit One Age Group More Than Another?

Whether you are in a state that has its own state exchange or you plan to use the Federal exchange, the marketplaces are ready for business and individuals are now able to sign up for health insurance under ObamaCare. A lot has been said about the Affordable Care Act (ACA), but several key questions remain: […]

The Pros and Cons of ObamaCare

ObamaCare (otherwise known as the Affordable Care Act or ACA) has been a very controversial law. There are many supporters, but there are also many people who have serious concerns about it. We don’t yet know exactly what the results of the law will be, which leads to a lot of speculation. There will certainly […]

Cost of ObamaCare: Indirect & Direct Costs for Americans & Businesses

One thing that has concerned Americans the most is the impending cost of the Affordable Care Act (ACA) – both directly and indirectly. Directly, Americans will be paying premiums for health insurance, and will also pay a portion of their own care depending on the coverage they choose. In addition, both employers and health insurance […]

Affordable Care Act Individual Mandate Penalty Delayed by 6 Weeks

This week, the Obama administration announced that health insurance consumers will have an additional six weeks to comply with the individual mandate. Under the current law, individuals must have health care coverage by January 1st, 2014 or face a tax penalty. However, there is no penalty for a gap in coverage of three months or […]

Summary of ObamaCare Facts

It can be hard to find the real story when you are looking for information about ObamaCare, because everyone is so divided about the law. This site will help you clearly understand the facts behind health care reform. ObamaCare is also called the Affordable Care Act (ACA) or Patient Protection and Affordable Care Act (PPACA). […]

Celebrities Endorse Health Care Reform

Celebrities endorsing products or political candidates, or using their clout to publicly take a stance on hot-button issues is nothing new.  If you grew up in the mid-to-late ’90s, you may recall MTV’s Rock the Vote campaign, which featured popular musicians who encouraged the nation’s youth to vote and who underscored the importance of exercising […]

Employers react to new ACA rules and inform about health care reform

During the past few months, as the Oct. 1 launch of the Health Insurance Marketplace neared, the news media reported story after story of businesses changing their benefits plans. In August, UPS told employees that it would stop covering working spouses who have health insurance coverage at their own jobs. Trader Joe’s announced that it would […]

How the Government Shutdown Affects ObamaCare

October 1, 2013 is the day that millions of Americans were offered the opportunity to view and enroll in a health insurance plan thanks to ObamaCare, also known as the Affordable Care Act. The day also marks the first day of a partial government shutdown that — depending on which side of the aisle you […]

How to get ready for October 1

On Tuesday, Oct. 1, millions of uninsured Americans will start researching and enrolling in health insurance plans using the Health Care Marketplace. The coverage they choose will take effect on Jan. 1, 2014, the date everyone will be required by law to have health insurance. However, whether they research plans on the internet or call […]

How to save money through the Health Insurance Marketplace

Beginning Jan. 1, 2014, nearly everyone will be required to carry health insurance under the Affordable Care Act, also known as health care reform or Obamacare. Individuals may buy health insurance through their employer, from a health insurance company or through the Health Insurance Marketplace, a website that will go live on Oct. 1, 2013. […]

No-cost preventive care for women is expanded under health care reform

Low- or no-cost preventive care is a keystone of health care reform. For women, these benefits are especially critical. Women are more likely to forgo physician visits and health screenings because they cannot afford them—but most will need a wide range of care both during and long after their reproductive years. To encourage women and […]

Post Health Care Reform Physician Shortage May Mean Long Wait for Care

Beginning Jan.1, 2014, up to 30 million Americans will have new or expanded health insurance coverage. However, a shortage of primary care physicians has experts warning that many newly insured individuals will not be able to find providers to care for them. A key component of the Affordable Care Act is an emphasis on prevention […]

Medicare to Seniors: “The Healthcare Marketplace Does Not Affect You.”

The Affordable Care Act is driving sweeping changes in the health care marketplace, from the requirement that everyone carry health insurance beginning Jan. 1, 2014, to the Oct. 1 launch of the Health Insurance Marketplace. Many people are confused by the changes, unsure of their obligations under health care reform—and seniors are no exception. In […]

Will Your Personal Data Be Safe in the Health Insurance Marketplace?

On Oct. 1, 2013, the online Health Insurance Marketplace—also called an “exchange”—is scheduled to go live. Millions of people will use the website to research insurance coverage, compare costs and determine whether or not they qualify for income-based discounts, which will be subsidized via tax credits. To access these features, users will be required to […]

Many Physicians Wary of Health Care Reform Rollout

While the American Medical Association is officially pro-health care reform, a recent study reveals that many physicians are confused and have a negative outlook about the changes coming in October. The AMA website provides a wide range of materials for physicians and activists who support the Affordable Care Act. It highlights the successes to date, […]

Health Care Reform: Procrastinate No More

The Obama administration’s recent decision to postpone a key feature of the Affordable Care Act doesn’t mean that business owners can put off thinking about the health reform law altogether. Still, Peter J. Marathas Jr., the partner in charge of benefits and executive compensation at Boston’s Proskauer Rose LLP, recently received three calls in one day from clients who were dismayed to […]

Health insurers fear young people will opt out

Dan Lopez rarely gets sick and hasn’t been to a doctor in 10 years, so buying health insurance feels like a waste of money. Even after the federal health overhaul takes full effect in 2014, the 24-year-old said he will probably decide to pay the $100 penalty for those who skirt the law’s requirement that […]

Is US health care reform on track for 2014?

Health policy experts weigh in on the fate of the Affordable Care Act. (HealthDay)—At the heart of President Barack Obama’s sweeping yet controversial health-reform law is the largest expansion of health insurance in decades, and it’s set to take effect on Jan. 1, 2014. But some observers wonder whether it will get off the ground […]

Twist in U.S. Health Law May Create Two-Tiered Medicaid

Colonoscopies, diabetes screenings and other preventative services mandated by the U.S. health law may be offered only to new Medicaid program enrollees next year, leaving existing patients with second-tier care, a study found. Excluding people already in the Medicaid program for the poor may penalize a population more prone to chronic conditions, researchers from George […]

U.S. relaxes health law income, insurance status rule for exchanges

(Reuters) – Days after delaying health insurance requirements for employers, the Obama administration has decided to roll back requirements for new state online insurance marketplaces to verify the income and health coverage status of people who apply for subsidized coverage. President Barack Obama’s healthcare reform law is slated to begin offering health coverage through state […]

Pa. Senate declares impasse over Medicaid

HARRISBURG — The state Senate passed a budget-related bill without language for Medicaid expansion Wednesday before adjourning for the summer, although several senators indicated they intend to revisit the issue again in the fall. “I support the expansion of Medicaid. … It’s clear at this point we are at an impasse,” said Majority Leader Dominic […]

A Closer Look: The Supreme Court’s Health Care Decision

On June 28, 2012, the Supreme Court upheld the ACA. Read more at whitehouse.gov.

White House Takes Aim At Latinos, Young People With Health Law Outreach Efforts

Both populations are key to the success of new online health insurance marketplaces, which will begin enrolling people on Oct. 1 for coverage that takes effect Jan. 1. Kaiser Health News: Latino Enrollment Key To Success Of Health Law Marketplaces Just as Latinos were crucial to President Barack Obama’s re-election success in 2012, they are […]

HHS Secretary Kathleen Sebelius Statement for National HIV Testing Day 2013

In honor of National HIV Testing Day 2013, Secretary of Health and Human Services Kathleen Sebelius issued the following statement: Do you know your HIV status? On June 27, the nation will observe the 19th annual National HIV Testing Day. This year’s theme is “Take the Test. Take Control.” HIV testing is so important because it […]

HHS Outlines Exemptions for Insurance Mandate

The Obama administration has made clear that Americans won’t be penalized if they fail to get health coverage because their states don’t expand Medicaid eligibility or because the cost family coverage offered through their employer is out of reach.

The Affordable Care Act: Four Key Policy Areas

The Patient Protection and Affordable Care Act (ACA)—the sweeping health care reform sometimes known as “Obamacare”—was enacted in 2010. The law aims to expand access to health coverage for uninsured Americans. The ACA does this through several provisions: an individual mandate requiring adults to have health insurance or pay a fine; anemployer mandate requiring firms with 50 or […]