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Health Reform Law 101

Resources for Your Business: Preparing for the Health Reform Law

This site provides a number of educational resources to help you prepare for implementation of major provisions of the Patient Protection and Affordable Care Act (PPACA):
  • The Penalty Calculator assists businesses in figuring out whether they must offer coverage and what the potential penalty might be under the employer mandate.
  • The Coverage or Penalty Chart helps a business determine if it has to offer coverage and/or pay a penalty due to the employer mandate.
  • The Added Costs Table highlights the revenue provisions of the law, the effective date, and the revenue impact (PDF).
  • The Workplace Wellness page includes the Chamber’s Workplace Wellness Toolkit to help employers set up a workplace wellness program.
  • The Press Room and Video pages provide recent news and video coverage of how the PPACA is affecting the business community.
  • The FAQ page offers in-depth answers and definitions to help businesses navigate the employer mandate.

The Employer Mandate: Coverage or Penalty?

Employers voluntarily provide health care coverage to more than 170 million Americans. However, the employer mandate, a major provision within the new law, puts heavy regulatory burdens on the business community, effectively deterring growth and creating further economic uncertainty.

The employer mandate, which takes effect in January 2015, will be the first time that a federal mandate requires employers to offer prescribed health care coverage or potentially face a penalty (see the Coverage or Penalty Chart).

The specifics on how this will affect your business depend on a number of factors, including whether you are a small employer or an applicable large employer, whether you will self-insure your coverage, whether you will be purchasing fully insured coverage in the small group and individual market or the large group market. Learn more here.

The U.S. Chamber on Health Care Reform:

The U.S. Chamber of Commerce supports health care reform that expands access to meaningful coverage, improves the quality of health care, and gets costs under control.  The Chamber is working to reduce the burden of the PPACA by promoting private sector strategies to advance real reform and improve the health of the country and its health care system.
Learn more about the Chamber’s position and efforts on health care reform here.


This table highlights the revenue provisions of the law, the effective date, and the revenue impact.


This chart can help you determine if your business has to offer coverage and/or pay a penalty.


Access videos from Thomas Donohue, the President and CEO of the Chamber, small business member Mary Miller, CEO of Jancoa Janitorial Services, following her testimony before Congress on the business impact on the health care reform law, and the Chamber’s event Controlling Costs: The Price of Good Health.

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