8/7/2019 39496 Chart Health Care Reform Timeline
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2010-2011 Zywave, Inc. All rights reserved.
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2010 2011 2013 2014 2015-2018Health insurance policies that
providedependent coverage must make coverageavailable for
dependents up to age 26
Voluntary long-term care insuranceoptions available for adults
whobecome disabled
Improvements on electronicexchange of health information
toreduce paperwork, administrativeburdens and costs
Individuals must obtain healthinsurance coverage or pay apenalty
(some exemptions apply)
Health insurance providerfee imposed in 2015 andincreased
annually
Uninsured individuals with pre-existingconditions can obtain
health insurance througha high-risk health insurance pool
program
Consumer rebates for excessivemedical loss ratios
Annual health flexible savingsaccount (FSA) contributions
limitedto $2,500
Employers with 50 or moreemployees must offer coverageto their
employees or pay apenalty
High-cost plan excise taxestablished in 2018
Affordable coverage will be identified by theHHS and a website
will be established forresidents of any state to locate
coverage
Employers to report health coveragecosts on form W-2 (optional
for 2011;mandatory for later years)
Medicare Part D subsidy deductioneliminated
State health insurance exchangesto be established
Reinsurance for covering early retirees willprovide
reimbursement for a portion of the costof providing health
insurance (program will endJanuary 1, 2014)
Qualified Medical Expenses definitionchange requires a
prescription toreimburse OTC medicine or drugs
Income threshold for claimingitemized deduction for
medicalexpenses increased
Health insurance companies willnot be able to
discriminateagainst individuals based onhealth status
Limits on lifetime dollar value of benefits for anyindividual
covered by group or individual healthinsurance eliminated
Simple Cafeteria Plan will be created toprovide small businesses
an easier wayto sponsor a cafeteria plan
Hospital insurance tax for high wageworkers increased
Individual health care tax creditsavailable for certain
individuals
Pre-existing condition exclusions will beeliminated for
children
Medicare Part D discounts (50%discount on brand-name drugs)
Medical device excise taxestablished
Second phase of small businesstax credit
Group health plans and health insurance issuersoffering group or
individual health insurancecoverage must cover preventive health
services
Increase of penalty taxes onwithdrawals from HSAs (prior to age
65)and Archer MSAs which are not usedfor qualified medical
expenses
Assessment of health insuranceprovider fee
Rescissions in all new and existing plans will beprohibited in
most cases; plan coverage may notbe cancelled without prior notice
to the enrollee
Free annual wellness visit for Medicarebeneficiaries and
elimination of costsharing
No limits on annual dollar valueof benefits for any
individualcovered by group or individualhealth insurance
Fully insured group health plans must satisfy
nondiscrimination rules regarding participationand benefit
eligibility (Note: delayed forregulations)
Pre-existing condition health
insurance exclusions eliminatedfor adults
Employers must improve the appeals processfor appeals of
coverage determinations andclaims (some rules delayed until July
2011) 2012Small business health care tax credit available Plans
must provide 4-page uniform
summary of benefits and coverageRebates for the Medicare Part D
Donut Holesent to eligible enrolleesStates may expand Medicaid
eligibility
Indoor tanning services tax imposed
