“PPACA” the name for Federal Health Insurance Reform

The 2010 comprehensive health insurance reform law, commonly referred to as “PPACA,” includes the Patient Protection and Affordable Care Act, Pub.L. 111-148 and the Health Care and Education Reconciliation Act of 2010, Pub.L.111-152.  PPACA has over 4,000 pages of text and is only an outline of changes. Government agencies must write new regulations and insurance companies must implement the changes.  This edition of the California Health Insurance Newsletter discusses “grandfathering.” Grandfathering allows you to keep your current health insurance plan rather than changing to a new government designed plan in 2014.  Recently released government regulations provide some clarity on this issue.