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

Health Care Reform Presentations

If you have questions about health care reform, get them answered at an upcoming presentation. Presented by experts in health care reform, you will learn what you need to know, receive guidance on decisions you need to make and access to resources that will usher you through the process. 

Health Care Reform Presentations Schedule


Coming soon! Webinars designed to provide a step by step overview of health care reform, including areas such as grandfathered plans and calculating part time workers.

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 or call (440) 878-5930.

download the small group benefits guide