Large Businesses and the Affordable Care Act
The health care law is giving large businesses more affordable options for health care and health insurance coverage.
Large Businesses and the Affordable Care Act
Businesses large and small have seen the cost of providing health coverage to their employees rise dramatically. The Affordable Care Act preserves what's best about our current health care system while helping to give employers and employees more affordable coverage. Large employers are the major source of health insurance coverage in the United States. The Affordable Care Act builds on this employer based system and works to control costs, stabilize insurance markets, and provide new protections for employers and their workers. The Act offers some immediate benefits to help improve the coverage you offer your employees, along with some long-term changes that will help keep coverage affordable. If you and your employees like the health insurance plan you have, you can keep it and make the kind of annual changes you usually make. If you're unhappy with the coverage you have, you can change plans and gain new benefits. At the start of your next plan year after September 2010, if you offer family health coverage, insurers will be required in many cases to cover your employees' children until they turn 26. Insurance plans won't be able to exclude the child of one of your employees from coverage because of a pre-existing medical condition. And starting in January 2011, insurers will have to spend the vast majority of the money you pay in premiums on delivering health care to your employees, not overhead or profits. One new program that's already underway is a temporary reinsurance program for early retirees. This program will help you with the costs of providing coverage for your retirees who are over 55 but under 65. There's detailed information on this website to help you understand how the Affordable Care Act affects you, your business, and your employees.
NOTE: The transcript for this program may have been compiled from uncorrected Closed Captioning.
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