On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act, and a week later on March 30, 2010, the Health Care and Education Reconciliation Act was signed into law. Together, these two bills are referred to as the Affordable Care Act (ACA). The provisions contained within these two massive pieces of legislation truly overhaul the entire health insurance industry. More…
The specific provisions of the ACA extend on a timeline from 2010 through 2018. Some important provisions have already been implemented. More…
Pre-Existing Condition Insurance Plan (PCIP)
PCIP is one of the first major provisions of national health care reform to take effect and is designed to bridge the gap to 2014, when insurance will be guaranteed issue - meaning insurers will not be allowed to decline health coverage or charge higher premiums to individuals with pre-existing conditions. More…

