Timeline of ACA
The Patient Protection and Affordable Care Act was signed into law in March 2010. Some ACA provisions went into effect immediately, many big provisions were carried out in 2014, and others are still being phased in. States are in charge of implementation of the law, and the State of Illinois has been busy introducing a number of changes to provide affordable and quality care for all our residents in compliance with this law. Click through this timeline to see what’s happened so far, and what to expect in the future.
What is happening when?
- About 194,000 small businesses with fewer than 25 employees become eligible for tax credits to lower the cost of providing insurance.
- Illinois starts the Illinois Pre-existing Insurance Program (IPXP) for up to 6,000 residents who cannot buy insurance due to pre-existing conditions.
- 1.8 million Medicare beneficiaries in Illinois will begin receiving free preventive care.
- Illinois will start to create a health benefits exchange – an easy access point for small businesses and individuals to purchase guaranteed affordable health care coverage – by 2014.
- The state of Illinois submitted its recommendation for the Essential Health Benefits benchmark plan to the Department of Health and Human Services. The benchmark plan, BlueCross BlueShield BlueAdvantage, will provide the baseline for services provided in Qualified Health Plans sold inside and outside of the Illinois Health Insurance Marketplace beginning in January 2014.
- Rebates paid to Medicare Advantage plans will be reduced and bonus payments will be provided to high-quality plans.
- Illinois begins enrolling low income childless adults in Cook County into CountyCare – an early expansion of Medicaid.
- Illinois' Land of Lincoln Health, a non profit health insurer, was the last CO-OP proposal to be approved for funding from HHS
- Illinois passes legislation (SB 26) to expand Medicaid to adults under 138%FPL with enrollment to begin October 1.
- Open enrollment in Get Covered Illinois, the new Health Insurance Marketplace, begins on October 1.
- Illinois distributes $27 million in federal funds to 44 community based organizations and local agencies to educate & enroll consumers.
- Individuals who are not offered insurance through their employers, Medicaid or Medicare, and small businesses with up to 50 employers will be able to buy affordable insurance through the Illinois Health Insurance Marketplace. Individuals with incomes between 100%-400% FPL will be eligible to receive financial help to purchase insurance. Open enrollment is October 1, 2013 – March 31, 2014.
- U.S. citizens and legal residents will be required to have "minimum essential health coverage." There will be a phased-in tax penalty ("individual mandate") for those without coverage, with certain exemptions.
- U.S. citizens who earn less than 138 percent of the poverty level (approximately $15,800 for an individual and $27,000 for a family of three), will be eligible to enroll in Medicaid.
- The Employer Shared Responsibility Payment goes into effect. This only applies to businesses with 50 or more full-time equivalent employees and if at least 1 of their full-time employees gets lower costs on their monthly premiums through the Marketplace.
- A 23% increase in the federal match rate will be provided for children covered under the Illinois Children's Health Insurance Program, called All Kids.
- States will be allowed to form "health care choice compacts," meaning that two or more states can enter into agreements to allow their residents to purchase qualified health insurance across state lines.
- No scheduled implementation milestones.
- An excise tax will be imposed on insurers of employer-sponsored health plans with aggregate expenses that exceed $10,200 for individual coverage and $27,500 for family coverage.