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Health Care Reform Timeline

  • Health Care Reform
This timeline of events will help guide you through the changes that have taken place since the Affordable Care Act was passed.

Health care reform changes by year:


March 23

September 23





  • Supreme court ruling


  • Women's health coverage






  • Guaranteed issue
  • Individual mandate — all individuals must have minimum essential coverage in order to avoid being subject to a tax penalty (which depends upon your income level and the cost of plans available). Learn how the individual mandate applies to you
  • Elimination of rating for health status, gender, size loads and industry
  • Elimination of pre-existing condition coverage restrictions
  • Essential health benefits
  • No annual dollar limit on essential health benefits
  • Subsidies available to low-income individuals and families. Try our subsidy estimator to see if you qualify
  • Maximum waiting periods — 90 days
  • New plans offered: Catastrophic and metallic plan levels of Bronze, Silver, Gold and Platinum. Explore your plan options


  • Open enrollment ended March 31, 2014 for major medical plans


  • Open enrollment for 2015 major medical plans began on November 15, 2014



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Additional health care reform resources

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We know it's important to stay up to date with the latest changes in health insurance, especially when it comes to health care reform. Not only do we continue to keep you in the know about the changes that impact your health insurance, but we're also keeping an eye on what trusted thought leaders and institutions are talking about.

  • Outside open enrollment, you can purchase a major medical plan if you have certain qualifying life events (examples include: loss of health insurance, marriage, birth or others) that give you a special enrollment period. If you live in Nevada, major medical plans can be purchased year round without a qualifying life event. If you apply without a qualifying life event outside open enrollment, your coverage will begin on the first day of the month after 90 days from the date you applied.

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