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Aetna Health Care Timeline


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Aetna Health Care Timeline

  1. 1. Health Reform Timeline 2010 – 20202010 2011 2012 2013 2014 2018 2020New Programs: > Temporary retiree reinsurance program. Specific criteria applies; limited funding. Insurance Reforms: New uniform coverage documents and standard definitions are developed. Hospitals, doctors and payers encouraged to join forces in “accountable care organizations.” Individuals making $200,000 a year or couples making $250,000 would have a higher Medicare payroll tax of 2.35% on earned income — up from Coverage Mandates Subsidies: New Individual and employer coverage responsibilities. New tax (“Cadillac tax”) on employer-sponsored health plans that offer policies with generous coverage levels. Doughnut hole coverage gap in Medicare prescription benefit is fully phased out. Seniors continue to pay the Must have minimum medical loss ratios. the current 1.45%. A new 3.8% National risk pool, small business tax on unearned income, such as standard 25% of their drug New Individual affordability tax credit. Hospitals with high rates of dividends and interest, also added. tax credits and expanded small costs until they reach the Medicare Reforms: preventable readmissions business tax credits. threshold for Medicare $250 rebate for Medicare members Start of Medicare Advantage Contributions to flexible spending facing reduced catastrophic coverage. who reach the ”doughnut hole.” cost-sharing limits. accounts (FSAs) limited to $2,500 a Medicare payments. year — indexed for inflation. And Health Insurance Exchange Medicare beneficiaries who reach the threshold for deducting medical Insurance Reforms:Insurance Reforms: the doughnut hole to get a 50% expenses on taxes goes from lifetime benefit limits — No discount on brand name drugs 7.5% to 10% of income. State individual and small group based on dollar amounts. health insurance exchanges Primary care doctors and general Medical device manufacturers operational. Allowed restricted yearly limits on surgeons practicing in underserved have a 2.9% sales tax on medical the dollar value of certain benefits. areas, such as inner cities and rural devices; with exemptions for some, Guaranteed issue, guaranteed communities to get a 10% bonus. like eyeglasses, contact lenses renewability, modified community coverage rescissions/ No rating and minimum benefit cancellations (except for fraud Medicare Advantage plans begin and hearing aids. standards (“essential benefits” plan) or intentional misrepresentation). having payments frozen. more deduction for expenses No effective. cost-sharing obligations No allocable to Medicare Part D subsidy for employers who maintain more lifetime and yearly dollar No for preventive services in network. Other: limits for essential benefits; no prescription drug plans for their Must have dependent Yearly fee for brand-name Medicare Part D-eligible retirees. more restricted annual dollar limits coverage up to age 26. drug manufacturers. for essential benefits. Enhanced internal and external Start of voluntary long-term care New taxes on health insurers. ive appeal processes. insurance program giving a cash ens lan Exp lth p benefit to help those with disabilities He a pre-existing condition No exclusions for dependent stay in their homes or pay nursing “Cadillac tax” home costs; benefit starts 5 years children (under 19 years of age). after paying coverage fee is imposed. New health plan disclosure and Increased funding for community transparency requirements. health centers to provide care Pre-existing condition for many low-income and uninsured people. exclusions are prohibited. Individuals making $200,000 a 2014 Medicaid and year or couples making $250,000 Medicare Reform: Hospitals with high have a higher Medicare Medicaid expanded to cover rates of preventable low-income individuals under payroll tax. readmissions face reduced age 65 up to 133% of the federal poverty level—about $28,300 Medicare payments. for a family of four. Employers are required to Minimum medical loss ratio of 85% required for Medicare report the value of health Advantage plans. care benefits on employees’ Dependent coverage W2 tax statements. up to age 26 is mandated. ©2010 Aetna Inc. 00.03.978.1 (4/10)