• Health Benefit Exchanges – state exchanges move from enrollment to covered phase
• Individual Mandate – requires each person to have minimum essential coverage
• Essential Health Benefits – requires new plans to cover 10 essential health benefits
• No Pre-Existing Conditions – prevents plans from limiting benefits on pre-existing conditions
• Clinical Trials – plans cannot limit routine costs for those in clinical trials
• Dollar Limits on Essential Health Benefits – PPACA ends annual limits on essential health benefits
• Guaranteed Availability/Renewability – carriers must accept all groups or individuals that apply for coverage
• Waiting Periods –reform requires waiting periods to be no more than 90 days
• Auto Enrollment – large employers enroll full-time employees in a health plan
• Health Care Excise Taxes – new taxes for health insurance and pharmaceutical companies, plus medical devices