As the implementation of the Affordable Care Act is fast approaching, we want to provide our valued sales representatives with the necessary tools to navigate the changing insurance landscape in the coming months. Please review the information and document below provided to us by ESI - Employee Assistance Group as it gives you a solid foundation for understanding the new act.

Roger Gonzalez, Founder and President
National Marketing Group Services, Inc.

What You'll Find Inside

Wellness Initiatives
The Affordable Care Act and Wellness Provisions: An issue brief from Health Affairs on new draft rules that elaborate on Affordable Care Act provisions expanding employers' ability to spur workers to improve their health.

Incentives for Nondiscriminatory Wellness Programs in Group Health Plans: Department of the Treasury, Department of Labor, Department of Health and Human Services - November 26, 2012

Wellness Program Rewards Significantly Expanded Beginning With Plan Year 2014 Under Proposed Regulation: A November 2012 Healthcare Reform Bulletin from Towers Watson, which offers a summary and a discussion of key provisions related to wellness and incentives under the ACA.

Employers Plan Aggressive Response to Shifting Health Care Landscape: Towers Watson/National Business Group on Health Survey 2012 - Health care costs increase at lowest rate in 15 years

Tools for Employers and Consumers
Health Reform: from Kaiser Family Foundation

Health Reform Glossary: a resource for understanding the concepts included in the Affordable Care Act. It provides simple and straightforward definitions of key terms that are part of the health reform law.

Affordable Care Act Tax Provisions

What's Changing and When: An interactive timeline, or see all timeline items on one page in printable format.

Health Reform Implementation Timeline: Provisions by year. The interactive tool designed to explain how and when the provisions of the health reform law will be implemented over the next several years. Show or hide all the changes occurring in a year by clicking on that year. Click on a provision to get more information about it. Customize the timeline by checking and unchecking specific topics.

The Affordable Care Act by State: See what implementation means for your state. From grants to new services and programs, find out how the Affordable Care Act is helping you where you live.

After the Ruling: A Consumer Guide: An FAQ from Kaiser Health News about some of the law's provisions that are already up and running as well as major features of what's to come.

Prevention, Wellness, & Comparing Providers: Insurers are required to cover certain preventive services at no cost to the insured. Learn what services may be available to various constituencies. This site also provides a series of tools to compare providers, hospitals, nursing homes, home health agencies, and dialysis centers.

Health Reform Subsidy Calculator: Beginning in 2014, tax credits will be available for people under age 65 who purchase coverage on their own in a health insurance Exchange and are not covered through their employer, Medicare or Medicaid.

The Health Care Law: What's in Effect, What's Still to Come: From AARP, an overview of benefits that are in place now and through 2014

AARP Health Law Guide: An interactive guide will help you find resources tailored to your needs, whether it's about Medicare, health insurance coverage for you or your family, or public programs that may work for you. Also available in Spanish

Health Reform Explained Video: "Health Reform Hits Main Street": A 10-minute overview video from the Kaiser Family Foundation, which explains healthcare reform; Also available in Spanish.

11 Myths About Health Care Reform: AARP says, "The hype about the law, including its impact on Medicare, is confusing - and scary. Here's the truth."


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