It has passed.

Well--heatlh reform (it probably shoudl be called "insurance and mandate adjustments") is now passed and on its' way to being signed into law.

What to do now? Well as we have said throughout--the important thing to keep in perspective is that the world has not come to an end. Things will be different for employers, employees and Americans in general. It will be important to spend time reviewing your options. There will be time to make appropriate plans and to unpack all of the nuances.

From a previous post, we outlined the impacts of the Senate bill. 2014 is an important year--but so is 2010 and 2011, etc. High risk pools must be formed immediately. Limits in health plans must be removed soon and insurance companies in 2011 are required to have 80% and 85% medical loss ratios.


Exactly what our recommendations will be and our complete take on all of this are unclear. As such we will be nimble and flexible and provide details as they come forward.