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A Division of M&M Insurance Associates

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United Health Care

June 26, 2013 Presentation by Lou Smith



Healthcare Reform has started as the result of the Affordable Care Act.                  

 HHS - United States Department of Health & Human Services


Guide to Healthcare Reform - Colonial


Reform Checklist for 2 - 99 Employees - United Healthcare


Reform Checklist for 100+ - United Healthcare


New Path To Health Care 



 Health Care Reform Resource Center

Welcome to the Richey Health Benefits Health Care Reform Resource Center. We hope this will help employers, producers and benefit consultants understand how health care reform may impact their health insurance needs.
Our goal is to help you locate sources of current information on health care reform, especially aspects that relate to the voluntary benefits industry.

While we expect you will find this content useful, please understand that we are not responsible for and cannot guarantee the completeness or accuracy of the content. We do not sponsor or endorse, nor are we affiliated with, any source of content unless we have specifically indicated otherwise. Thank you.

  • Q . Do I need to offer coverage to my employees? 
  • A. You do if you have more than 50 full-time equivalent employees. 


  • Please use this calculator to see if you have 50 or more FTEs.



  • Health Care Reform Provisions

    This section provides details on a few of the major provisions listed in the timeline of health care reform.

    Health Insurance Exchanges

    A number of recent health care reform plans call for the creation of a health insurance exchanges. Find out all the details in this health care reform section.

    Implementation Resources

    Here you'll find materials related to the implementation of the Affordable Care Act, including regulations, grants, authorities, and requests for public comment.


  • Model of Exchange Notice for Employers to Use 


    The U.S. Department of Labor provided guidance for employers about the notice they are required to give to their employees about state and federally-facilitated health insurance exchanges or marketplaces.


    The guidance included a model notice for employers who offer a health plan to some or all employees.


    The guidance also included a model notice for employers who do not offer a health plan.