The provisions of the Patient Protection and Affordable Care Act are scheduled for implementation over several years. Although many changes have already been implemented, major changes are not scheduled to take effect until 2014. Select a year to see the scheduled provisions and changes to be implemented. 



Please choose a year from the above menu.


Changes to Health Plans
on or after 10/1/2010


  • Eliminating Lifetime Limits and Restricting Use of Annual Limits
  • Prohibiting Rescissions
  • Extending Dependent Coverage
  • Eliminating Pre-Existing Condition Exclusions for Children
  • Preventive Health Services
  • Non-discrimination Based on Salary
  • Primary Care Physician Choice and Direct Access to OB/GYNs
  • Emergency Care
  • Appeals Process
  • Transparency/Disclosure Requirements



  • Temporary High Risk Pool
  • Reinsurance for Early Retirees Provided by Federal
  • Government
  • Rebates for the Medicare Part D "Donut Hole" Provided by Federal Government
  • Rate Review by HHS
  • Medical Loss Ratio Reporting by Insurers
  • Employer Annual Reporting Requirements Regarding
  • Quality of Care

Tax Implications


  • Small Business Tax Credit
  • Executive Compensation Deduction Limits
  • IRC Section 833