ACA: The History

On March 23, 2010, the federal government passed the Patient Protection and Affordable Care Act (PPACA).  PPACA (also known as Health Care Reform, Affordable Care Act, or ACA) is a set of laws designed to increase access to health insurance. The University, along with other large employers, has been implementing the new regulations since then. Those changes have included:

  • Added medical plan coverage for dependent children to age 26
  • Cost-sharing limits for out-of-pocket costs started July 2014 and July 2015
  • Coverage for clinical trial related services
  • Coverage for women’s evidence-informed care and screenings if in-network
  • No lifetime limits on Essential Benefits
  • No pre-existing exclusions for members
  • Patient-Centered Outcomes Research Fee of $1 per member per year (ends 2019)
  • Preventive care expansion as defined by PPACA
  • Reinsurance Fee of $63 per member per year (ends 2016)
  • Office co-pays (office visits, urgent care visits, and emergency room visits) are included in the out-of-pocket maximum
  • Prescription co-pays are included in the out-of-pocket maximum
  • Offering coverage to all employees that work 30 hours per week, on average, during specific measurement periods