MARCH 2010      
      ISSUE 1   

On Tuesday, March 23, President Obama signed the Patient Protection and Affordable Care Act into law, bringing wide-spread reform to the U.S. health system and some significant changes to the health insurance industry.

With the passing of this law comes many questions and uncertainties regarding the reform components and the implementation timeline. As a valued broker, Guardian is committed to ensuring that you and your clients are kept up-to-date with reform developments and aware of any potential impact that reform may bring.

The health reform law is certainly a complex and large piece of legislation to fully digest and understand. Furthermore, not all of the details of the reform provisions have been clearly defined yet by the federal government. Additional legislative activity, as well as extensive rulemaking will most likely occur over the next 12 months and beyond, providing some additional guidance to both carriers and brokers. Click here to learn more >


America’s Health Insurance Plans (AHIP) has developed two great reform resources that we encourage you to review: The Reform Law Summary and Reform Implementation Timeline. Please visit the AHIP website for the most up-to-date information on reform at or the National Association of Health Underwriters (NAHU) .

Three Reform Provisions That Your Clients Are Interested In Now
1 Dependent Coverage Extended To Age 26 On Medical Plans
2 No Lifetime Limits On Medical Plans
3 No Pre-existing Conditions On Medical Plans
  Read Guardian’s Disclosures, Privacy Policies, SEC Rule 11Ac1-6 Quarterly Report.
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