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Affordable Care Act Timeline

On March 23, 2010, President Obama signed the Affordable Care Act (ACA). The law puts in place comprehensive health insurance reforms that will roll out over four years and beyond. The timeline below lists different aspects of the law and when they will be effective.

Affordable Care Act Facts

Affordable Care Act Items Already In Effect


  • Changes To Appeals Process
  • Elimination of Lifetime Limits on Essential Benefits
  • Expanding Coverage For Early Retirees
  • Grandfather Status
  • Dependent Coverage Up To Age 26
  • New Recission Rules
  • Non-Discrimination Rules
  • No Pre-Existing Condition Exclusions For Enrolless Under Age 19
  • Preventive Care At No Additional Cost
  • Regulating Annual Limits On Essential Benefits
  • Small Business Tax Credits
  • No Prior Authorization For Emergency Services


  • Annual Rate Review Process
  • Medical Loss Ratio (MLR)
  • Employer requirement for minimum essential coverage
  • Increased Penalty For Non-Qualified Health Savings Account (HSA) Withdrawals, Including Over-The-Counter Drugs (Unless Prescribed)


  • Medical Loss Ratio (MLR) Rebates
  • Patient-Centered Outcomes Research Institute (PCORI) Fee
  • Uniform Summary of Benefits & Coverage (SBC)
  • Women’s Extended Preventive Services With No Cost-Sharing


  • Flexible Spending Account (FSA) contribution limit capped at $2,500
  • Medicare tax increase for high earners
  • No deduction for retiree drug subsidy
  • W-2 reporting on value of employee-sponsored health plans


  • Elimination of Risk Adjustment Factors (RAFs)
  • Employer reporting requirements
  • Employer requirement for minimum essential coverage
  • Exclusions for pre-existing conditions prohibited
  • HIPAA nondiscrimination rules on wellness programs
  • Mandated levels of coverage
  • New fees for health insurance carriers
  • Prohibit benefit waiting periods beyond 90 days
  • Small group tax credits available only for plans in the Exchange
  • Small groups redefined as 1 to 50 employees (from 1 to 25)
  • State-based Exchanges for individuals and small groups


  • Small groups redefined as 1 to 100 employees (from 1 to 50)


  • 40% excise tax on high cost “Cadillac” health plans

Help. When You Need It Most.

Affordable Care Act Overview and Guide

We are here to help every step of the way. Contact us today to learn more about the Affordable Care Act (ACA), and to get more information about how the law impacts you.

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