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Reform Discussion
Allison Rogers
King University
Scenario
The Affordable Care Act allows small businesses to keep their existing
insurance plan if they wish, as long as there are no significant changes made
to the plan (for example increase cost-sharing or cutting employee benefits).
(The Henry J. Kaiser Family Foundation, 2012)
In 2014, the Small Business Health Options Program (SHOP), in the healthcare
marketplace, was implemented and available to assist small business owners
with options for those who desire to offer their employees health insurance
coverage.
(Healthcare.gov, n.d.a; The Henry J. Kaiser Family Foundation, 2017)
How Affordable Care Act will Impact:
Access to Healthcare (continued)
No healthcare plans (regardless of new or existing
grandfathered plans) will be allowed to exclude persons with
pre-existing conditions
Effective 2010 for children under 19
Effective 2014 for adults
(The Henry J. Kaiser Family Foundation, 2012)
Beginning in 2014, all health insurance plans must guarantee
the availability and renewal of coverage regardless of health
status (The Henry J. Kaiser Family Foundation, 2012, para 5).
How Affordable Care Act will Impact:
Quality Healthcare
Healthcare.gov [Internet]. Baltimore (MD): U.S. Centers for Medicare & Medicaid
Services (n.d.a). Overview of the SHOP marketplace. Retrieved from:
https://www.healthcare.gov/small-businesses/provide-shop-coverage/shop-marketp
lace-overview
/
Healthcare.gov [Internet]. Baltimore (MD): U.S. Centers for Medicare & Medicaid
Services (n.d.b). The small business healthcare tax credit. Retrieved from:
https://www.healthcare.gov/small-businesses/provide-shop-coverage/small-business
-tax-credits
/
Healthcare.gov [Internet]. Baltimore (MD): U.S. Centers for Medicare & Medicaid
Services (n.d.c). What marketplace health insurance plans cover. Retrieved from:
https://www.healthcare.gov/coverage/what-marketplace-plans-cover /
The Henry J. Kaiser Family Foundation [Internet] (2012). Explaining
health reform: How will the affordable care act affect small
businesses and their employees? Retrieved from:
http://kff.org/health-reform/fact-sheet/explaining-health-reform-how
-will-the-affordable-care-act-affect-small-businesses-and-their-empl
oyees/
The Henry J. Kaiser Family Foundation (2017). Health reform
implementation timeline. In C. L. Estes, S. A. Chapman, C. Dodd, B.
Hollister, & C. Harrington (Eds.), Health Policy: Crisis and Reform
(6th ed.), (pp. 149-160). Burlington, MA: Jones & Bartlett Learning.