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2011

Health Savings Accounts and Flexible Spending Accounts can no longer be used for over-the-counter drugs or health supplies unless prescribed by a doctor.
Insurers must spend 80 percent of individual health insurance premiums on medical services or provide rebate payments to enrollees.
A national, voluntary insurance program is established for purchasing long-term care services (CLASS - Community Living Assistance Services and Supports - program).

2012

A new fee is imposed on health insurance companies to fund comparative effectiveness research. This research to determine the most effective regimens, drugs, supplies, and therapies for various diseases and conditions. The fee is $1 per participant through 2013; $2 per participant through 2019.

2013

Contributions to Flexible Spending Accounts are limited to $2,500 per year.
Medicare payroll tax increases by 0.9 percent for individuals who make more than $200,000 and couples that make more than $250,000.
A new 3.8 percent tax will be added on income from interest, dividends, annuities, royalties, and rents for those at the same income threshold.

2014

Health insurers must accept everyone who applies for coverage.
Health plans can no longer impose pre-existing condition exclusions for any person of any age. (Does not apply to "grandfathered" individual plans.)
No annual limits on health insurance benefits. (Does not apply to "grandfathered" individual plans.)
State health insurance exchanges introduced for individuals to buy insurance.
Rating restrictions go into effect: Insurance companies can't charge women more than men, old people more than three times what young people pay, or smokers more than 1.5 times more than what non-smokers pay.
Essential benefit plan is created. This mandates the level of benefits that must be included in individual health insurance plans. (Does not apply to "grandfathered" individual plans.)
A temporary reinsurance program is established in the individual market and funded by individual and group health plans assessments ($25 billion in 2014 - 2016).
Families and individuals between 133 and 400 percent of the Federal Poverty Level get subsidies - on a sliding scale - to purchase insurance.
Medicaid program is expanded to cover everyone under 65 with an income less than 133 percent of the Federal Poverty Level.
A non-deductible premium tax is imposed on insurers ($8 billion in 2014, rising to $14.3 billion in 2018, and increasing proportional to overall premium growth after that).

2016

States can form health choice compacts to allow insurers to sell individual policies in any state participating in the compact.

IMPORTANT: This information applies to health plans only and is intended to provide a general overview of the new health care reform law. It does not attempt to cover all of the law's provisions and should not be used as legal advice.

Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., Humana Health Benefit Plan of Louisiana, Inc., HumanaDental Insurance Company, or The Dental Concern, Inc.,or offered by Humana Employers Health Plan of Georgia,Inc.,or Humana Medical Plan,Inc.