Health Care Reform

The Patient Protection and Affordable Care Act (PPACA) has shifted health insurance and the way individuals and businesses get their insurance. Since PPACA became law in March 2010, COSE has been working to understand what the law and changes mean for you, your business and your employees. 

In addition to one-on-one consultations, we have created a comprehensive set of tools to help you understand your options. 

Health Care Reform Decision Point Tool

Developed by a team of health care reform experts, this online tool includes information on the law, a tax credit calculator, a timeline with critical dates, requirements for individuals and employers, a glossary of key terms and more. 

Decision Point Tool

Marketplace (Exchange) Notice

If you have employees, you are required to notify them of the availability of the Health Insurance Marketplace within 14 days of their hire date regardless of whether or not health insurance is being offered. Here are template notices you can use for your employees. 

Marketplace (Exchange) Notice

Department of Labor Audit

With all the changes that have been implemented as a result of the Affordable Care Act, the Department of Labor is now also working to ensure that employers – large and small – are compliant with the new rules and regulations governing employer-sponsored insurance plans.  Their efforts to enforce compliance include the administration of audits on companies to ensure they are operating according to the new health care law’s rules and regulations. COSE has gathered information and resources to help you prepare should you receive an audit notification.

How to prepare for a Department of Labor Audit

Small Group Benefits Guide

 Learn about the healthcare coverage options available to you and your employees from Medical Mutual’s Small Group Benefits Guide. This guide also includes information on flexible spending accounts, health savings accounts and tools to help manage your employee benefits program. If you have questions, email healthcarereform@cose.org or call (440) 878-5930.