Here we discuss the sectoral winners and losers for Patient Protection and Affordable Healthcare Act I (Obamacare) along with the key factors driving these trends due to Obamacare. Check out the Special Report on Obamacare from Aranca!
The vast warehouses of healthcare data are more like silos containing a treasure of untapped potential. Data is spread amongst a variety of sources and lacks coherency to stakeholder/users who need data for a wide-variety of purposes. This is a template for corralling data into a customizable framework that provides local data as well as context and larger geographic aggregation and comparisons.
Here we discuss the sectoral winners and losers for Patient Protection and Affordable Healthcare Act I (Obamacare) along with the key factors driving these trends due to Obamacare. Check out the Special Report on Obamacare from Aranca!
The vast warehouses of healthcare data are more like silos containing a treasure of untapped potential. Data is spread amongst a variety of sources and lacks coherency to stakeholder/users who need data for a wide-variety of purposes. This is a template for corralling data into a customizable framework that provides local data as well as context and larger geographic aggregation and comparisons.
Are You Running the Population Management Marathon on One Leg?VitreosHealth
How it feels when you are working very hard and investing millions on population care management programs and the results don’t meet your expectations! Some population care management programs are successful while some are not delivering the expected results. The case study results we are going to share will show you why there are “winners” and “losers” in effective population management programs. We hope that the results we share are not only going to be an “eye-opener” but a “game-changer” as the healthcare providers take on risk for population health.
Urgent Care Market of US to reach USD18.8 billion by 2018 | An Aranca Infogra...Aranca
The urgent care market of US is expected to reach USD 18.8 billion by 2018. Favorable demographics, regulatory framework and growing support from insurers are likely to be the key driving factors of urgent care market.
Global AI seattle How AI will Reinvent HealthcareAlex Ermolaev
The latest AI advances have the potential to massively improve our health and well-being. However, most of the work is yet to be done. In this talk, we will explore the most important opportunities for AI in healthcare. For example, we will explore how AI can diagnose major life-threatening conditions even before those conditions emerge. We will talk about AI ability to recommend dramatically more effective and less harmful treatment plans based on AI understanding of patient's medical history and current conditions. Finally, we will talk about AI role in making our healthcare system effective and affordable for everyone. For each area, we will discuss the latest progress made as well as the challenges remaining.
On June 5, 2013, the Innovations Exchange held a Web event titled Building Health Information Exchanges To Support ACOs and Medical Homes: Delaware’s Experience. This was the third Web event in a three-part series designed to share novel experiences and lessons learned in putting accountable care organization (ACO) and patient-centered medical home (PCMH) principles into practice. For more information, visit https://innovations.ahrq.gov/events/2013/06/building-health-information-exchanges-support-acos-and-medical-homes-delawares.
Are You Running the Population Management Marathon on One Leg?VitreosHealth
How it feels when you are working very hard and investing millions on population care management programs and the results don’t meet your expectations! Some population care management programs are successful while some are not delivering the expected results. The case study results we are going to share will show you why there are “winners” and “losers” in effective population management programs. We hope that the results we share are not only going to be an “eye-opener” but a “game-changer” as the healthcare providers take on risk for population health.
Urgent Care Market of US to reach USD18.8 billion by 2018 | An Aranca Infogra...Aranca
The urgent care market of US is expected to reach USD 18.8 billion by 2018. Favorable demographics, regulatory framework and growing support from insurers are likely to be the key driving factors of urgent care market.
Global AI seattle How AI will Reinvent HealthcareAlex Ermolaev
The latest AI advances have the potential to massively improve our health and well-being. However, most of the work is yet to be done. In this talk, we will explore the most important opportunities for AI in healthcare. For example, we will explore how AI can diagnose major life-threatening conditions even before those conditions emerge. We will talk about AI ability to recommend dramatically more effective and less harmful treatment plans based on AI understanding of patient's medical history and current conditions. Finally, we will talk about AI role in making our healthcare system effective and affordable for everyone. For each area, we will discuss the latest progress made as well as the challenges remaining.
On June 5, 2013, the Innovations Exchange held a Web event titled Building Health Information Exchanges To Support ACOs and Medical Homes: Delaware’s Experience. This was the third Web event in a three-part series designed to share novel experiences and lessons learned in putting accountable care organization (ACO) and patient-centered medical home (PCMH) principles into practice. For more information, visit https://innovations.ahrq.gov/events/2013/06/building-health-information-exchanges-support-acos-and-medical-homes-delawares.
Study Guide Health Care ReformHealth Care Reform OverviewWhe.docxpicklesvalery
Study Guide: Health Care Reform
Health Care Reform: Overview
When it comes to healthcare in America, we seem to believe that more is better--but does more healthcare result in better health? As a nation, we spend more on healthcare per person than any European country, yet our health outcomes are worse. The PBS documentary, Money and Medicine was aired in 2012, and addresses one of the key issues of healthcare reform--the cost of health care. Watch the trailer below, or the entire episode here: http://video.pbs.org/video/2283573727/
(Links to an external site.)
http://youtu.be/a9oEtRwoVxs
(Links to an external site.)
The Affordable Care Act
The Patient Protection and Affordable Care Act (ACA), passed in 2010, is a collection of laws that were created to reform health insurance and healthcare.
The ACA significantly impacts nurses both personally and professionally. Bedside nurses are impacted by organizational changes that affect patient care, and may be providing information and resources to patients and caregivers about the ACA. However, as Hynds, Hatch and Samuels (2014) noted, nurses indicate they need more knowledge to understand the ACA policy implications of their practice.
Now, you can either read the 974 pages of the law itself, or you can watch this short, animated video produced by the Kaiser Family Foundation, and visit the helpful online resources below:
http://youtu.be/JZkk6ueZt-U
(Links to an external site.)
The YouToons Get Ready for Obamacare
0:01 / 6:52
<div class="player-unavailable"><h1 class="message">An error occurred.</h1><div class="submessage"><a href="http://www.youtube.com/watch?v=JZkk6ueZt-U" target="_blank">Try watching this video on www.youtube.com</a>, or enable JavaScript if it is disabled in your browser.</div></div> Minimize Video
Affordable Care Act: Five Years Later
The Commonwealth Fund has developed several online, interactive resources to illustrate the impact of the Affordable Care Act in its first five years of implementation. Through personal stories, population and health systems data analysis, and graphics, the Commonwealth fund paints the picture of the impact of the ACA on individuals, businesses, providers and healthcare systems. Take some time to explore these resources in preparation for this week's discussion board. Link: The Affordable Care Act: A Look Back at the First Five Years.
(Links to an external site.)
Review the two interactive digital features: Coverage Reform
(Links to an external site.)
and Delivery Reform
(Links to an external site.)
.
Value-Based Purchasing--"Pay for Performance"
Increasingly, hospitals and healthcare providers are reimbursed not just for the amount of services provided (fee-for service), but for the results that are achieved for a particular patient population. As nurses, you may have observed policy changes that emphasize patient experience, prevention of hospital-acquired infections, and effective discharge planning ...
RUNNING HEAD: Affordable Care Act 1
Affordable Care Act 2
ACA Healthcare Policy
Busola Omolayole
Walden University
TN006 Policy and Regulation Supporting Informatics and Technology Integration
2/3/2020
Affordable Care Act (ACA)
The affordable care act (ACA) policy was signed into law by the previous U.S. President Barack Obama in March of 2010 (HealthIT.gov., n.d.). The policy shares the responsibility of providing access to reasonable and good-quality health insurance by the government to individuals, employers in the United States. It is aimed at improving access and expanding health insurance coverage to all U.S. citizens and combat healthcare spending and costs (Quadagno, 2019). Also, the policy increased accessibility to care and quality care services, which determine the overall health in the U.S. Health insurance companies cannot deny coverage of preexisting conditions and cannot increase premiums based on medical conditions.
Impact of the ACA on System Implementation
After the 2016 open enrollment period, 17.6 million uninsured citizens obtained coverage through ACA; the uninsured rate fell below 10 percent that same year. (U.S. Department of Health & Human Services, n.d.). ACA has a significant impact on system implementation, according to industry experts. ACA supports Medicaid expansion. Make healthcare coverage more affordable and fair. The establishment of new health insurance marketplaces, also known as exchanges and implementation of market reforms, is another issue that is being addressed (HealthIT.gov.,n.d.). Providing care for people who live on a limited income or have a preexisting condition. Strengthening access to preventive and primary care. Increase healthcare quality at the same time decreasing careless expenses and increasing being accountable (PolicyMedical., n.d.). ACA has provisions that give system implementation a motive to build and enforce new policies that target increased efficiency (Ruffin, 2019). ACA is poised for consistent growth through value-based medications in the presence of evident uncertainty with a gradual repeal of the ACA for many payers in the care sector. Through growth in clinical care and public programs, being strategical in investments in public health (PolicyMedical., n.d.). By collaboration amongst the government, individuals, and employers, Americans can attain universal healthcare.
ACA has Improved Outcomes and Efficiencies
ACA has increased care coverage to millions of U.S. citizens. As a result, there is an improvement in care quality services since the healthcare cost is subsidized. Those with health insurance access better services in the United States (Huang et al., 2019). The wide range of plans resulting from ACA increases efficiency ...
RUNNING HEAD: Affordable Care Act 1
Affordable Care Act 2
ACA Healthcare Policy
Busola Omolayole
Walden University
TN006 Policy and Regulation Supporting Informatics and Technology Integration
2/3/2020
Affordable Care Act (ACA)
The affordable care act (ACA) policy was signed into law by the previous U.S. President Barack Obama in March of 2010 (HealthIT.gov., n.d.). The policy shares the responsibility of providing access to reasonable and good-quality health insurance by the government to individuals, employers in the United States. It is aimed at improving access and expanding health insurance coverage to all U.S. citizens and combat healthcare spending and costs (Quadagno, 2019). Also, the policy increased accessibility to care and quality care services, which determine the overall health in the U.S. Health insurance companies cannot deny coverage of preexisting conditions and cannot increase premiums based on medical conditions.
Impact of the ACA on System Implementation
After the 2016 open enrollment period, 17.6 million uninsured citizens obtained coverage through ACA; the uninsured rate fell below 10 percent that same year. (U.S. Department of Health & Human Services, n.d.). ACA has a significant impact on system implementation, according to industry experts. ACA supports Medicaid expansion. Make healthcare coverage more affordable and fair. The establishment of new health insurance marketplaces, also known as exchanges and implementation of market reforms, is another issue that is being addressed (HealthIT.gov.,n.d.). Providing care for people who live on a limited income or have a preexisting condition. Strengthening access to preventive and primary care. Increase healthcare quality at the same time decreasing careless expenses and increasing being accountable (PolicyMedical., n.d.). ACA has provisions that give system implementation a motive to build and enforce new policies that target increased efficiency (Ruffin, 2019). ACA is poised for consistent growth through value-based medications in the presence of evident uncertainty with a gradual repeal of the ACA for many payers in the care sector. Through growth in clinical care and public programs, being strategical in investments in public health (PolicyMedical., n.d.). By collaboration amongst the government, individuals, and employers, Americans can attain universal healthcare.
ACA has Improved Outcomes and Efficiencies
ACA has increased care coverage to millions of U.S. citizens. As a result, there is an improvement in care quality services since the healthcare cost is subsidized. Those with health insurance access better services in the United States (Huang et al., 2019). The wide range of plans resulting from ACA increases efficiency .
The system of delivery within health care has always been on the change and rise due
to technology along with self-care, health care, development, education, and creating a healthy society. As the old saying goes, “where there is good health there is also good financial wealth” and this is where the formation of the ACA took place and a new integrated delivery system created.
hCentive Health Insurance Exchange PlatformAlisha North
Take advantage of hCentive's deep expertise in the healthcare insurance industry. Browse through or download our white papers to get an in-depth understanding of the industry.
Running head: MARYLAND AND THE AFFORDABLE CARE ACT 1
MARYLAND AND THE AFFORDABLE CARE ACT 6
Maryland and the Affordable Care Act
Lynette Wright-Jones
Sojourner Douglass College
Professor: Manigault
October 23, 2013
Maryland and the Affordable Care Act
The State of Maryland plays a vital role in ensuring that the Affordable Care Act is implemented in accordance with the laid down provisions. Starting October 1, 2013, the state implemented the Connector Program via the Maryland Health Benefit Exchange (MHBE, 2013). This launch is in accordance with Maryland law and consistent with the provisions of the Affordable Care Act (ACA). The Connector Program seeks to provide the target populations in the state with enrollment, eligibility and in-person education assistance. The 2012 Maryland Health Benefit Exchange Act launched programs aimed at serving both the SHOP (Small Business Health Insurance Options Program) and individual exchanges (MHBE, 2013).
This new plan for Maryland will impact the state’s economy in a significant manner. According to Governor Martin O’Malley, the new plan will help to stimulate job creation and propel the state’s economic growth, which will subsequently strengthen the middleclass (O’Malley, 2013). Furthermore, successful implementation of the Connector Program will aid to improve health outcomes among Maryland residents, which will reduce health costs in the long-term and boost the state’s economic development.
Maryland residents who were previously uninsured will benefit tremendously from the ACA. It will enable them to purchased health insurance at reasonable prizes. According to MHBE, approximately 250,000 residents in Maryland will benefit from new insurance cover because of expansion of Medicaid eligibility and creation of subsidized health insurance packages offered via Maryland Health Connection (MHC) (MHBE, 2013). Maryland Health Connection works in close proximity with insurance providers, advocates, insurance carriers and assisters to build a strong infrastructure that supports the diverse marketplace while ensuring that the previously uninsured enroll in affordable and quality plans.
Residents who do not qualify for the subsidies and tax credits can still purchase an insurance plan through MHC. The Affordable Care Act demands that individuals above eighteen years of age must have health insurance coverage beginning 2014, failure to which they may face legal action and pay fines. According to MHBE (2013), the core benefits offered by all health plans include emergency care, doctor visits, maternity care, hospitalization, substance abuse treatment, pediatric care, mental health care, medical tests and prescriptions among others. Before deciding to enroll, residents will be able to see their premiums, out-of-pocket costs and deductibles for the plans that they aspire to enroll in. The online marketplace.
Student
Professor
English 102
March 6, 2016
Toulmin Argument Essay
There has always been a rise in cost of the health care thus various individuals are trying to understand the coverage options for their health coverage which has led them to search for various health care packages to save money. Amongst the controversial alternative that will enable citizens to safe money is the single payer health care. In this health package, citizens pays taxes for various health care services which are being issued by the government to every gentleman, lady as well as the child. For some times now, this system has been used in United States. Medicare, Medicaid, local state government benefits, and federal employees’ benefits all use single funds, which use private delivery.
Single-payer health care system services is a framework in which the state, instead of private organizations, are responsible for all insurance bills. This system of health contract for medicinal services administrating from private associations and to public responsibility enhanced by state governments. Single payer enables the patients to choose their physicians and continue to seem them even if their financial status or jobs changes. There is no other health care services that can assure this. There is continuity of nurses and doctors, who have got to know the care about their patients, and also is critical to quality. These health care services are accessible and affordable to all. The single payer uses the savings from the administrative wastes which is approximately over $350 billion in a year for funding the coverage for all uninsured as well as improving the benefits to the insured Americans. Heath care which is delayed or denied due to cost or increasingly issues of the insurers refusing to coverage.
There has always been a rise in cost of the health care thus various individuals are trying to understand the coverage options for their health coverage which has led them to search for various health care packages so as to save money. Amongst the controversial alternative that will enable citizens to save money is the single payer health care. In this health package, citizens pays taxes for various health care services which are being issued by the government.
The Affordable Care Act gives Americans better health conditions by giving incentives and security set up of medical coverage changes that will, Expand scope, Hold insurance agencies responsible, Guarantee decision making, Lower services costs and Enhance the nature manning all Americans. The Affordable Care Act really alludes to two separate bills of enactment both by president Obamas administration. Both the bills grow Medicaid scope to a great many low-salary Americans and makes various upgrades to both Medicaid and the Children's Health Insurance Program.
Many nations in the world have single-payer health insurance programs. In Switzerland it is believed that the idea that health-care services should be paid for a.
Inflation Causes, Impacts, Mitigation Strategies, and BenefitsBarbara O'Neill
60-minute webinar for AFCPE on 05/11/23 that discusses the causes and impacts of inflation and several dozen strategies to mitigate the effects of higer prices on household budgets.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
1. Affordable Care Act (ACA) Resources
Compiled by Barbara O’Neill, Ph.D., CFP®, oneill@aesop.rutgers.edu
Extension Specialist in Financial Resource Management, Rutgers Cooperative Extension
Updated June 14, 2013
Resources for Consumer Programs
♦ Affordable Care Act Brochures and Educational Presentations: http://www.hhs.gov/intergovernmental/acaresources/
Includes dozens of links to ACA fact sheets, brochures, and PowerPoint presentations for different audiences.
♦ eXtension Health Insurance Literacy Community of Practice (CoP): https://ask.extension.org/groups/1790
This eXtension community exists to help people make smart health insurance choices and to plan for health care costs. The
Web site includes links to CoP resources including an Ask an Expert (AaE) service for consumers at http://bit.ly/askhealthlit
where users can receive answers to their health insurance and ACA questions from university faculty across the U.S.
♦ Find Insurance Options: http://finder.healthcare.gov/
Includes a simple two-step online process to help users find health insurance suited to their needs.
♦ Healthcare.gov (U.S. Department of Health and Human Services): http://www.healthcare.gov/index.html
Includes dozens of fact sheets and short videos about the Affordable Care Act (ACA) including the Web page The Health Care
Law & You: http://www.healthcare.gov/law/.
♦ Health Reform: Seven Things You Need to Know (Consumer Reports);
http://www.consumerreports.org/health/resources/pdf/ncqa/The_Affordable_Care_Act-You_and_Your_Family.pdf
A 16-page publication that describes key features of the ACA and how it impacts health care decisions.
♦ Helping Consumers Understand and Use Health Insurance in 2014 Institute of Medicine Roundtable on Health
Literacy: http://iom.edu/Global/Perspectives/2013/~/media/Files/Perspectives-Files/2013/Discussion-Papers/BPH-
Helping-Consumers-Understand.pdf.
A 16-page paper that provides an overview of health insurance terms, public health insurance programs, and health care
options available under the Affordable Care Act (e.g., the bronze, silver, gold, and platinum plans)
♦ How Much Will a Family Save Under the New Federal Health Law? (UC Berkeley Labor Center):
http://laborcenter.berkeley.edu/healthpolicy/calculator/
This calculator helps users estimate the cost of health care under ACA with and without government subsidies.
♦ How the Health Care Law Benefits You: http://www.healthcare.gov/law/information-for-you/benefits.html
Includes an interactive U.S. map where users can click on their state to find out about health care options.
♦ Implementation Timeline:
http://www.acog.org/~/media/Departments/Health%20Care%20Reform/WHTimeline.pdf?dmc=1&ts=20130430T1427
150282 and http://www.healthcare.gov/law/timeline/index.html
Includes a description of actions that are being taken to implement ACA between 2010 and 2015.
2. ♦ My Smart Choice Health Insurance Guide: (University of Maryland Extension):
https://www.extension.umd.edu/sites/default/files/_images/programs/insure/My%20Smart%20Choice%20Health%20I
nsurance%20Guide%204-3-13.pdf
A 17-page publication from the University of Maryland with information and worksheets designed to help consumers
understand basic insurance concepts and make health care decisions. Includes worksheets to list doctors seen and health
conditions treated, record prescription medicines taken, compare three health insurance plans, and prioritize health insurance
needs. It also includes a spending plan worksheet, a glossary of terms, and an illustration of health care cost-sharing.
♦ Pew Charitable Trusts: http://www.pewstates.org/search?terms=aca
Provides the latest news on the Affordable Care Act and health care compiled by the non-profit Pew Charitable Trusts.
♦ Summary of Coverage Provisions in the Affordable Care Act (Kaiser): http://kff.org/health-costs/issue-brief/summary-
of-coverage-provisions-in-the-patient/
Provides a 2-page summary of key ACA provisions including the individual mandate and employer requirements.
♦ The Affordable Care Act Fact Sheets (University of Wisconsin-Madison):
http://ckfwi.org/affordablecareactfactsheets.html
Provides links for four separate fact sheets about the ACA including ne related to small businesses and rural communities.
♦ Your State Marketplace: http://www.healthcare.gov/marketplace/about/state-marketplace/index.html
Provides information about state-run health insurance marketplaces and those that are partnering with the federal government.
Resources for Small Business Programs
♦ Appleby, Julie (2013, May 9). Health Perks Geared to Top Workers Could Trigger Penalties Under Health Law.
Kaiser Health News. URL: http://www.kaiserhealthnews.org/Stories/2013/May/09/executive-perks-and-the-health-
law.aspx?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+khn+(All+Kaiser+Health+News)
This article describes the penalty of up to $500,000 for employers with health insurance plans that violate anti-discrimination
rules (i.e., providing more generous health insurance benefits for highly paid workers than others).
♦ Calculating the Potential ACA Employer Tax Penalty: http://www.benefitscafe.com/newsletter/03-calculating-aca-tax-
penalty.html
Includes a four-step process and examples of how to estimate the potential tax penalty for employers with 50 or more workers.
♦ Health Mandate Cost Calculator: http://www.retailmeansjobs.com/health-care-calculator
This online calculator from the National retail Federation can help employers understand their potential ACA mandate penalty
exposure. Users enter the number of full-time employees that work 30 hours or more on a monthly average and the number of
hours that part-time employees work and get an estimate of possible penalties.
♦ IFA’s Employee Mandate Penalty Calculator: http://www.franchise.org/healthcare/calculator.aspx
Business owners plug in two numbers (number of full-time employees and average number of hours worked by part-time
employees) to find out whether they are subject to employer mandate penalties and, if so, what the estimated cost will be. The
calculator was developed by the International Franchise Association (IFA).
3. ♦ Kitces, M. (2013, May 29). Introducing the Play or Pay Tax-Employer Shared Responsibility Payments for Health
Coverage, Nerd’s Eye View Blog: http://www.kitces.com/blog/archives/533-Introducing-the-Play-Or-Pay-Tax-
Employer-Shared-Responsibility-Payments-For-Health-Coverage.html
This article provides a thorough analysis of the implications of ACA for employers and predicts that employers may stop
offering health coverage once employees (even those with pre-existing conditions) can purchase insurance via exchanges.
♦ Maltby, E. & Needleman, S.E. (2013, April 8). Some Small Businesses Opt for Health-Care Penalty. The Wall Street
Journal. URL: http://online.wsj.com/article/SB10001424127887323916304578401413507987532.html.
This article describes business owners weighing the cost of providing coverage versus paying ACA penalties.
♦ Mulvey, J. Potential Employer Penalties Under the Patient Protection and Affordable Care Act (ACA), Congressional
Research Service (May 6, 2013): http://www.fas.org/sgp/crs/misc/R41159.pdf
This 18-page publication explains potential ACA employer penalties in depth with tables and charts.
♦ Rabin, J. (2012, Nov. 12). Health Care Reform and NJ Farms. Sustaining Farming on the Urban Fringe. URL:
http://sustainingfarminguf.blogspot.com/2012/11/farm-calls-health-care-reform-and-nj.html.
This article summarizes provisions of the ACA that are especially relevant for agricultural producers.
♦ Total (FTE) Employee Workforce Calculator: http://npins.net/total-fte-employee-workforce-calculator/.
This calculator will help employers determine the total full time equivalent (FTE) of their workforce subject to penalty.
♦ What Health Care Reform Means For Your Business (Newkirk): http://www.newkirk.com/healthcare_hrb.htm
This 16-page brochure, available in bulk quantities, describes ACA provisions that affect small business owners. It was
developed for financial services professional to add their company branding and distribute to clients.
Video
Understanding the Provisions of the Affordable Care Act: https://www.farmcrediteast.com/Products-and-Services/Video-
Insights/Healthcare-Seminar.aspx
This one hour, 45 minute video of a conference presentation by Farm Credit East features Sheldon Blumling, an attorney with
expertise in employment law, discussing key issues of health care reform for agricultural producers.