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The Affordable Care Act (known as ACA or health reform) was signed into law in 2010 and impacts many areas of health care and health insurance, including medical reimbursement programs such as HRAs, HSAs and FSAs. Here’s an overview of how health reform impacts HRA, HSA and FSA programs.
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Cost of Care Overview
Research shows that at least 70 percent of people over 65 will need long term care services at some point in their lifetime.1 And while most people think of long term care as impacting only those in senior years, 40 percent of people currently receiving long term care services are ages 18 to 64.2 There’s a lot of concern about how much it will cost to buy health insurance on the new exchanges coming online later this year. Some states are predicting double digit increases in premiums.
If you are 50-64, the health care law may benefit you in several ways. It makes it easier and more affordable to get coverage. Also, it adds important consumer protections and new insurance options.
Starting in 2014, the Individual Health Insurance Marketplaces will make it simple and more affordable for employees to get health insurance that can’t be canceled or denied because of a pre-existing medical condition. Read on for Frequently Asked Questions regarding the individual health insurance marketplace.
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