Healthcare reform

Blue Shield is here to help you navigate federal health reform so you can better understand its impact on you.

The Affordable Care Act

The Affordable Care Act (ACA) greatly changed California's insurance market. Here is what you need to know.

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ACA: Individuals & families

The Affordable Care Act (ACA) introduced all new coverage for individual and family plans as of January 1, 2014, with broader benefits, coverage, and new rules about how you buy plans.

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Minimal essential coverage

Minimal essential coverage (MEC) is the type of coverage a person needs to meet the ACA "individual responsibility requirement." This requirements means that anyone who does not enroll in a healthcare plan will have to pay a fine to the government.

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Our involvement

Blue Shield of California believes that access to quality health care is a basic right, and we have long supported healthcare reform efforts at both the federal and state level.

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Tools and resources

Get the tools and facts you need to understand health reform. We're working on new tools for you, so check back soon for new features and updates.

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Medical loss ratio

These basics will help you understand the Medical Loss Ratio (MLR) feature of federal health reform and what Blue Shield is doing to put it into action. The MLR helps member gets the most value from their health plans.

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