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March 23, 2015 Marks the 5th Anniversary of the Affordable Care Act


cardOn Tuesday, March 23, 2010, President Obama signed the Patient Protection and Affordable Care Act into law. We want to take this opportunity to share with you some highlights of the past five years, and also to thank you for following our updates and insights on this momentous law! It has been a pleasure to work with all of you and we look forward to many more years of service.


Highlights of the Affordable Care Act’s First Five Years

March 23, 2010: President Obama signs the Affordable Care Act into law.

September 23, 2010: The first wave of insurance reforms takes effect, including the “age 26” coverage mandate, the prohibition on rescissions of coverage, and the ban on lifetime and annual limits. Learn more here

June 28, 2012: The Supreme Court declares the ACA constitutional.

September 23, 2012: Summary of Benefits and Coverage requirement takes effect. Learn more here.

July 31, 2013: First PCORI fees due. Learn more here.

October 1, 2013: Exchange notices required.

January 1, 2014: Individual mandate takes effect.

January 1, 2014: Prohibition on pre-existing conditions takes effect. Learn more here.

January 1, 2015: Employer Shared Responsibility provisions take effect (after a one-year delay).


What’s Next?

Early 2016: Applicable large employers and minimum essential coverage providers required to report to the IRS and provide reports to individuals. Learn more here.

2018: “Cadillac Tax” takes effect.



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Patricia Moran