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The Patient Protection and Affordable Care Act (Affordable Care Act or ACA) enacted comprehensive health insurance reforms designed to ensure Americans have access to quality, affordable health insurance. Learn what the law means for small businesses and self-employed business owners.
Affordable Care Act 101 Webinars for Small Business
SBA and Small Business Majority have teamed up for a free webinar series, where small business owners can learn the basics of the Affordable Care Act and what it means for their business and employees. Webinar content will generally be the same each week.
- Thursday, April 3 at 2:00 PM ET: Click to Register
- Thursday, April 10 at 2:00 PM ET: Click to Register
- Thursday, April 17 at 2:00 PM ET: Click to Register
- Thursday, April 24 at 2:00 PM ET: Click to Register
- Thursday, May 1 at 2:00 PM ET: Click to Register
- Thursday, May 8 at 2:00 PM ET: Click to Register
- Thursday, May 15 at 2:00 PM ET: Click to Register
- Thursday, May 22 at 2:00 PM ET: Click to Register
- Thursday, May 29 at 2:00 PM ET: Click to Register
Key Provisions of the Affordable Care Act
The Affordable Care Act includes a variety of measures specifically for small businesses that help lower premium cost growth and increase access to quality, affordable health insurance. Depending on whether you are self-employed, an employer with fewer than 25 employees, an employer with fewer than 50 employees, or an employer with 50 or more employees, different provisions of the Affordable Care Act may apply to you. Learn about the key provisions of the Affordable Care Act based on the size of your business below.
The Health Insurance Marketplace in Your State
The Marketplace is a new way to find quality health coverage. It can help self-employed individuals and small business owners if you don’t have coverage now or if you have it but want to look at other options. States have the option of running their own Marketplace, partnering with the U.S. Department of Health and Human Services (HHS) to partially run the Marketplace, or opting for a Marketplace run by HHS.
Insurance plans in the Marketplace are offered by private companies. They all cover the same essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans also can't charge women more than men for the same plan, and many preventive services are covered at no cost to you.
Enrollment in the small employer Marketplace, known as “SHOP”, is year-round. Learn more about the SHOP Marketplace in your state by visiting Healthcare.gov. If you’re self-employed and looking for coverage, the 2014 open enrollment is closed. You can now get Marketplace coverage only if you qualify for a special enrollment period or are applying for Medicaid and CHIP. If you think you qualify, choose your state to get started.
Glossary of Key Health Care Reform Terms
For definitions of key health care reform terms, consult this glossary of key terms provided by the U.S. Department of Health and Human Services.
Timeline of the Affordable Care Act Insurance Reforms
The Affordable Care Act health insurance reforms will roll out in phases, many of which will occur in 2013 and 2014. This timeline contains details on key provisions.
The Law, Regulations, and Related Guidance
Read the full text of the Affordable Care Act or browse and download the law by section. Regulations and guidance are used to implement many of the Affordable Care Act provisions that address both private and public health insurance. Many of these can be found at the Center for Consumer Information and Insurance Oversight.
The Internal Revenue Service is responsible for tax provisions of the Affordable Care Act that will be implemented during the next several years. You can find a list of provisions now in effect, with periodic updates, from the IRS.