Healthcare Reform

Healthcare reform is the term used when discussing major health policy creation or changes that ultimately affect a patient’s experience within the medical arena. In recent years this term is primarily used when referencing the landmark legislation of Patient Protection and Affordable Care Act (PPACA), signed on March 23, 2010 and becoming law on July 1, 2010. 

Patient Advocate Foundation stays abreast of all current and upcoming elements associated with the staggered implementation of the PPACA, and works to ensure patients, providers and all stakeholders involved in healthcare delivery are informed. 

About the Patient Protection and Affordable Care Act (PPACA)

This legislation, intending to introduce sweeping reform to the US health care system, sought to increase coverage while implementing measures to control costs for consumers.

Key features of the law include:

  • No more pre-existing condition denials for children (For adults in 2014)
  • No more annual or lifetime dollar limits on insurance coverage
  • Insurance companies cannot drop your coverage when you get sick
  • No more coverage denials without patients being allowed to appeal
  • 80 percent of what insurance companies collect now has to go toward providing care
  • Reduced prescription drug costs in Medicare's Donut Hole
  • Medicaid coverage expanded up to 133% of the Federal Poverty Level in participating states
  • Coverage for young adults on their parents plans up to the age of 27
  • Incentives for medical facilities to adopt electronic health records to reduce medical error
  • Access to free preventative care such as screenings and annual checkups
  • Coverage assistance for those who choose to retire early
  • Provisions to detect waste, fraud, and abuse within the system, increase care coordination, review large premium increases by insurers, and incentivize innovation
  • Insurance tax credits for individuals with incomes between 100-400% of the Federal Poverty Level to help pay for health care premiums (starting in 2014)
  • Tax credits to help small businesses afford insurance for their employees
  • Health insurance exchanges (operational in 2014)

Read the actual text of the Patient Protection and Affordable Care Act law

Section by Section Summary of the Law

Supreme Court of the United States – Official Opinion, June 28, 2012, in regards to the Patient Protection and Affordable Care Act law

Learn About How Healthcare Reform Impacts You

KLN Kaiser Health News


KLN Kaiser Health News Daily news reports on healthcare reform. Features both national and state level developments.

The Henry J. Kaiser Family Foundation


The Henry J. Kaiser Family Foundation is a non-partisan source of facts, information and analysis for the healthcare community.

National Patient Advocate Foundation (NPAF)


As a corollary organization to PAF, the National Patient Advocate Foundation (NPAF) works to address and participate in ongoing discussions surrounding current and future healthcare reform provisions.   NPAF regularly works with state and federal legislative groups to enact smart policy that benefits patients in their healthcare journey.

Coverage counts


Coverage counts is an online resource that highlights the ongoing Medicaid expansion associated with the PPACA law and presents information on the positive impacts this expansion will have on a state's health and its economy.

The Robert Wood Johnson Foundation


The Robert Wood Johnson Foundation’s mission is to improve the health and health care of all Americans.

The Commonwealth Fund


The Commonwealth Fund is a private foundation that aims to promote a high performing health care system that achieves better access, improved quality, and greater efficiency, particularly for society's most vulnerable population. The Fund carries out this mandate by supporting independent research on health care issues.

  • Health Reform Resource Center
    Patient Advocate Foundation's professional case managers can assist you with any questions you have about your current insurance policy, or how healthcare reform will affect your life.  If you have questions or concerns, please reach out to us for one-on-one assistance.