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Health Care

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 Employers

SBA, the Department of Health Human and Services, and Small Business Majority have teamed up for a free weekly webinar series where small employers can learn the basics of the Affordable Care Act and what it means for their organization and employees. Topics covered include cost containment, the Small Business Health Care Tax Credit, the new Health Insurance Marketplace, and Employer Shared Responsibility. Webinar content will generally be the same each week. Below are the registration links for upcoming webinars in English.

Spanish-language ACA 101 Webinars

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 a self-employed individual with no employees or an employer with fewer than 25 employees, up to 50 employees, or 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 or your employees 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.

Small employer? 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. For questions about SHOP, call 1-800-706-7893 (TTY: 711) Monday - Friday, 9 a.m. - 7 p.m. EST.

Self Employed? If you’re self-employed and looking for coverage, the 2014 open enrollment period 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.

Affordable Care Act Training Materials