Health Reform

Health Care Reform Explained
Signed into law in March 2010, the Affordable Care Act (ACA) is the most sweeping health care legislation passed by Congress since the adoption of Medicare in the 1960s. The precise impact of ACA will continue to be shaped by new rules and guidance developed by the federal agencies in support of the law.

Some provisions of ACA, including insurance market reforms, such as increased access for dependents and the prohibition of lifetime limits on coverage, have already impacted health care benefits. Other provisions, such as requiring all Americans to obtain health care coverage and the establishment of insurance exchanges, will not take effect until 2014 and beyond.

At Health Insurance R Us, we are committed to helping you understand its impact. The summaries and questions and answers throughout our site are provided for informational purposes only. They should not be construed as, or relied upon, as legal or any other advice. Employers should consult with their own legal counsel for a comprehensive explanation of the rules and the proper application of these rules to their particular situation.

Starting in the fall of 2013, Californians will have 3 ways to obtain Health Insurance.

Individual Exchange
“Covered California”
Small Group Exchange
Private Market
“Current System”

You will be able to use all the options listed above to obtain and compare coverage on our website when they become available. In the meantime, here are some important topics that you may want to look over.

Get started with these topics:
Health Care Reform Timeline (Link to respective page)
Key Points for Health Care Reform (Link to a Blog Post)
Rates are expected to increase due to Health Reform (Link to a Blog Post)
Health Reform Penalties explained (Link to a Blog Post)
Why I should keep my Grandfathered plan (Link to a Blog Post)
Enrollment period for the new Health Care Reform Plans (Link to a Blog Post)

Please contact us if you would like to more information Health Care Reform and how it will affect you.
Phone: (800) 300-0205