Federal Health Care Insurance Reform
In March of 2010, the federal government passed health care insurance reform.
This included the Patient Protection and Affordable Care Act (PPACA) signed into
law on March 23, and the Health Care and Education Reconciliation Act of 2010
signed into law on March 30. Together these bills are referred to as the
Affordable Care Act (ACA). Additional information and links are provided below to assist Floridians in understanding these new changes.
Federal Health Care Reform Consumer Premium Impact Notices:
These consumer premium notices were filed by 28 health insurers and
health maintenance organizations who will be offering major medical health insurance plans
on the new Federal Health Exchange and off of the exchange. The notices show the impact of Federal Health Care Reform
on health insurance plan costs in Florida by comparing the premium for the new coverages to the
premium costs of the insurer's most popular plan prior to Federal Health Care Reform. Consumers can
view the summary sheet containing all companies and notices or select a particular health insurance
company and look at the various health insurance plans available in either the individual and/or small
group market. The plans vary by cost and by the level of benefits offered in each type of
plan: bronze, silver, gold, and platinum.
To access the Consumer Premium Impact Notices, click on the following link Premium Impact Notices
I-File Forms & Rates Search System
A Search system that allows users to search for and then download form and/or rate filings submitted by insurance companies to the Office.
To access the I-File System, click on the following link: Filing Search
Florida Health Insurer Information:
- Department of Financial Services (consumer guides, etc.) –www.myfloridacfo.com .
- U.S. Supreme Court Ruling
- Florida-Specific Information:
- Federal Health Care Reform Information:
- Legislative Presentations
February 18, 2013 -
Presentation to the Senate Select Committee on PPACA: "Patient Protection & Affordable Care Act (PPACA) Overview"
January 25, 2013 -
to the House Select Committee on PPACA: "Patient Protection & Affordable Care Act (PPACA) Overview"
- Medical Loss Ratios:
- Request Filed for Reconsideration of the MLR Decision:
May 4, 2010 and September 24, 2010 Hearings Regarding MLRs in Florida
Information about State MLR Waivers (including Florida) -
HHS / CCIIO Website
An Overview of How the Federal Law Affects Florida:
September 2010 -
Speech to the Society of Insurance Financial Management
May 2010 - Presentation
to the Florida Health Insurance Advisory Board