1. The Affordable Care Act (ACA) may seem like
old news since it has been rolling out since
2010. However, the health plans required by
the individuals mandiate requires most
American to have minimum essenstial
health coverage by March 31, 2014 or they
will incur a penalty on their 2015 taxes.
AFFORDABLE CARE ACT

2. — Under the ACA, states and/or the federal
government are charged with creating health
exchanges that allow individuals and small
employers (under 50 employees) to choose
between certified, ACn offering products in a
total of 27 state and federal health exchanges.
SHOP
HEALTH
EXCHANGE*
INDIVIDUAL
HEALTH
EXCHANGE
LET”S GO SHOPPING
* SMALL BUSINESS HEALTH OPTIONS

3. GUARANTEED COVERAGE
NO COVERAGE LIMIT
REQUIRED BY LAW
ENFORCED BY IRC
INDIVIDUAL
HEALTH
EXCHANGE

4. SHOP
HEALTH
EXCHANGE
EMPLOYEES ARE COVERED
AFFORDABLE COVERAGE
MINIMUM VALUE

5. FEDERAL
HEALTH
EXCHANGE
in 32 states that elected not to create their own
health exchanges. the ffm includes seven “part-
nership” exchanges that run on the same web
portal – healthcare.gov

6. PRIVATE
HEALTH
EXCHANGE
A Private healthcare exhange has almost nothing to
do with the affordable care act, other than it must
comply with the new market rules that the ACA
established for all large group health policies,
which dental is generally exempt from.