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A Billed Proposed in the House  by William F. Schaake, CIC, CRM

HR 3590 was introduced in the House as the “Service Members Home Ownership Tax Act of 2009,” in September 2009 by Charles Rengal, a NY Democrat and was passed by the House the following month. That December, the 2000 plus document was later changed to and passed by the Senate as the Patient Protection and Affordable Care Act or PPACA.  The purpose of this act was to reform our health care system and to cover the 32,000,000 plus uninsured Americans.   

Health Care and Education Reconciliation Act of 2010 was signed by President Obama on March 30, 2010 as an amendment to the Patient Protection and Affordable Care Act.  This second set of provisions including adjustment to health care inform while including the Student Aid and Fiscal Responsibility Act.  

The magnitude and impact of PPACA will forever change the entire medical and health care industries, which accounts as the single largest sector of the US economy accounting for nearly 17% of our GDP. Ironically, most of the documents were allegedly drafted behind closed doors, heavily favored and endorsed by members of the democratic party during their brief control of all three branches of the federal government.  

As many as 27 states have filed legal actions in federal court challenging the PPACA constitutionality, but three of the four appellate courts upheld the PPACA legality.  The individual mandate, which will require most Americans to purchase health care coverage and in itself a requirement many consider unconstitutional, will be reviewed in by the Supreme Count and has scheduled over five hours of discussions in March of 2012

The key provisions of the Affordable Care Act by date.

March 23, 2010  President Barack Obama signs the PPACA into law.

Immediate Changes Starting September 23, 2010  (Source:  whitehouse.gov)


New Consumer Protections - (Highlighted Areas Intended for Discussion)

Improving Quality and Lowering Costs


Increasing Access to Affordable Care



Health Care Reform Timeline & Summary

On March 23, 2010, President Obama signed the Patient Protection and Affordable Care Act (PPACA) into law.  This paved the way to control health care costs, expand coverage, and improve the health care delivery system, herein referred to as the Affordable Care Act or PPACA.  

Tools from the Carriers

Oxford Health Plans - UHC

Health Care Lane


Time Line

Empire - Anthem Blue Cross/Shield

Introduction to Health Care Reform Video

Health Care Reform Overview - Guide

Navigating the Next Phase of Health Care Reform

ACA Update

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Government Links


The Affordable Care Act - Implementation Timeline



Department of Health & Human Services

Annual Limits

Supreme Court of the United States

Oral Arguments on the PPACA

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State Resources


Health Care Reform in Action by State

Disclaimer- Please note that the information in this site does not constitute legal, financial, or accounting advise by Group Coverage, Inc., it’s affiliates, or by William F. Schaake.  In addition it should be noted that Group Coverage, Inc., It’s affiliates, and William F. Schaake, assume no liability for the content contained herein as it is provided for informational purposes only.  We recommend to seek the advise of a qualified attorney, financial planner or tax advisor.  

Affordable Care Act


Barack Obama

Key provisions

Health Insurance


Tax Credit

Lifetime Limits

Annual Limits



Young Adult

Early Retiree


Health Care


Free Preventive Care

Health Care Fraud

Donut Hole

Health Care Reform Section

Timeline - What’s Changing and When

Small Business Tax Credit  by the IRS                                  

Timeline Past Present & Future Health Care Exchange Medical Loss Ratio (MLR) Business Tax Credit Essential Health Benefits Coverage & Admin Employer Mandates Grandfathered Plan

Health Care Reform Tools

Preventive Care Summary of Benefits