The health care reform law passed earlier this year brings many changes to employers and health plans. The extent of the impact will depend, in part, on whether you maintained a health care plan on March 23, 2010, the date the primary legislation was enacted. If your company sponsored a plan on that date, it is considered a “grandfathered” plan and you can keep it. Grandfathered plans are exempt from certain health care reform requirements, such as no cost-sharing for preventive care and other patient protections.
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Consumer-driven health plan (CDHP) enrollment continues to climb across the United States as a cost-savings initiative. With the passage of the health care reform legislation comes an even more increased interest among both employers and employees in transitioning to a consumerism model. Reigning in health care costs and improving employee health and morale with help from a consumerism model has the potential to be very beneficial for your organization.