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11 key PPACA provisions in effect this year

A look at major provisions of the health care law that escaped delay.

By Alson Martin J.D., LL.M, Richard Cline | Updated on March 12, 2014

With delays galore, it’s easy to get confused about which provisions of the Patient Protection and Affordable Care Act actually went into effect this year and which were put off. Here’s a quick and handy run-down:

1. Establishment of State Health Insurance Exchanges.  Starting on January 1, 2014, each state was required to create a health insurance exchange (or HHS will do so) for use by the uninsured and small employers with 100 or fewer employees (although states may set the cap at 50 employees). The exchanges are required to offer fully insured insurance contracts that provide essential health benefits and are also required to offer three different levels of coverage (bronze, silver, gold, and platinum). Employees of small employers who offer health insurance coverage through an exchange may pay their employee premiums for such coverage on a pre-tax basis through the employer’s cafeteria plan.

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