To read an overview on Health Reform, please click on the following link: Health Reform Overview

For a timeline guide to Health Reform for Small Businesses, please click on the following link: Small Business Guide to Health Reform

Please click on the following link for frequently asked questions on how Health Reform impacts employers and employees:  Health Reform Q & A for Employers and Employees

SBAM now has a guide to Health Care Reform. You will want to check this site often as it will continue to be updated: SBAM Guide to Health Care Reform

Here are some important Health Reform changes for employers with group health plans that take place on or after September 23rd of 2010:

-No lifetime maximums: Individual and group health plans cannot put lifetime limits on the dollar value of coverage for "essential" benefits.
-No annual limits: Plans can have annual limits on essential benefits but these will be restricted when regulations can be written, and prohibited entirely in 2014.
-Coverage for children up to age 26: The only exception is for children whose employers offers a health plan.
-No preexisting condition exclusions for children younger than 19.
-Automatic enrollment into employer health plans for those with more than 200 full-time employees.
-No cost sharing on preventive services: The United States Preventive Services Task Force Recommendations has a list of services that plans must cover.

For further questions regarding Health Reform, please go to our contact us page and email us with your questions.