National Association of Insurance and Financial Advisors

Practical Application Guide (ACA)

Since passage of the health care reform bill, the Patient Protection and Affordable Care Act (ACA), in March, 2010, there has been a great deal of confusion for NAIFA members, business owners, employees, and consumers as to what the law means to them. With new regulations and provisions of the law coming into effect continually, including many critical portions having come into effect in January, 2014, this practical application guide seeks to address some of those new roles, expectations, and requirements. While many portions are already in effect, and some temporary provisions have already phased in or out, this guide largely addresses important topics set to take effect. 

Topics addressed in this practical application guide include: 
  • Insurance Market Reforms 
  • Temporary Programs 
  • HSAs, FSA, HRAs & MSAs 
  • Essential Health Benefits 
  • Exchanges (Marketplaces) 
  • Guaranteed Coverage 
  • Personal Coverage Requirement 
  • Medical Loss Ratio 
  • Medicare and Medicare Advantage 
  • Employers Roles and Requirements 
  • Taxes and Fees