Health Care Reform: Health Insurance Exchanges and Private Insurance

Hinshaw Health Law Alert

April 9, 2010
Hinshaw Health Law Alert

This is the second in a series of health care alerts that Hinshaw & Culbertson LLP will publish on the topic of health care reform.

The recently passed Patient Protection and Affordable Care Act and the Health care and Education Reconciliation Act of 2010 (collectively referred to as “Health Care Reform”) have made sweeping changes to the private health insurance market and established the basis for state-based health insurance exchanges. While most of these changes do not take place immediately, there are certain insurance reforms effective as early as three months after enactment of the new laws. 

Eventually, most U.S. citizens and legal residents will be required to have health insurance through an employer-based system, a state-based health insurance exchange, or other federal programs including Medicare and Medicaid. Financial incentives and disincentives have been designed to encourage all citizens and legal residents to obtain health coverage. The following summary highlights key health insurance coverage provisions of the legislation, and describes implementation of health insurance exchanges. 

Changes to Private Insurance Coverage





Health Insurance Exchanges 



The recent Health Care Reform laws enact major changes for individuals, employers, providers and insurers. The private insurance and health insurance exchanges discussed above are some of the most significant changes made. Hinshaw will keep its clients advised on implementing regulations as they become available and will continue researching the impacts of these changes on all parties. 

For more information, please contact your regular Hinshaw attorney.

This alert has been prepared by Hinshaw & Culbertson LLP to provide information on recent legal developments of interest to our readers. It is not intended to provide legal advice for a specific situation or to create an attorney-client relationship.