Health Reform Timeline







 March 23

January 1

October 1

January 1

January 1

 January 1

 Affordable Care Act signed into law.

 Seniors receive discounts on prescriptions in the donut hole.

 Facilities begin making the change to electronic medical records to save on administrative costs.

 Increased funding to Medicaid programs.

 Health insurance marketplace established.

No discrimination due to pre-existing conditions.

Insurers will be prohibited from dropping or limiting coverage to those participating in clinical trials.

Many people will pay their first "Individual Responsibility Payment" otherwise known as the fine for not being enrolled in a Qualified Health plan in 2014. The fine will be the greater of $95 per adult and  $47.50 per child in your household or 1% of your annual household income.

 Free preventive care is added for seniors on Medicare.


 Increased payments to Medicaid Primary Care Physicians.

Americans who make under 133% of the poverty level will now qualify for Medicaid in states that opt to participate.

Tax credits as well as reduced cost-sharing on health insurance plans will be available to those who qualify.

Annual limits on coverage will be eliminated.


 September 23


October 1

April 15
 February 15

 Young adults up to age 26 can stay on parent coverage.


 Open enrollment begins for the health insurance markets.

Open Enrollment ends. You will not be able to apply for health coverage without meeting a qualifying event until the next Open Enrollment period.

The second Open Enrollment period ends. If you have not applied for health coverage or a change in your current coverage by this date, you will have to experience a Qualifying Event to be able to enroll until the next annual Open Enrollment period. 

 Free preventive care is added to new plans and lifetime limits on coverage are eliminated.


 Phase 1 is October 1st through December 15th- those who apply at this time will have a January 1, 2014 effective date.

November 15- December 15

 Companies are no longer allowed to deny coverage to children under 19 for pre-existing conditions and they can no longer rescind coverage unless for material misrepresentations.


 Phase 2 is October 16, 2013 through March 31, 2014- those who apply at this time will have an effective date that is dependent upon when their application is submitted. Those submitted between the 1st and 15th will have an effective date of the first of the following month; those who submit their applications between the 16th and the end of the month will have an effective date of the first of the second following month.

The first 30 days of the second Open Enrollment period. If you apply during this 30 day window, your policy (or policy changes) will be effective January 1, 2015.


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