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Informed on Reform

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Informed on Reform

The U.S. health care system is complex. We help provide simplified insights, and information on current health issues and prominent health plan regulations.

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Your ACA Roadmap

New rules take effect each year. Keep up to date with our interactive tool.

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Frequently Asked Questions

Common questions, common answers. Our FAQs simplify the legal lingo.

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Reporting Requirements Toolkit

IRS Reporting Requirements are due annually during the tax-filing season. Reporting and outreach requirements can be challenging.

All Resources

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Article | June 2019

Final Rule Issued Allowing HRAs to Be Used for Individual Coverage
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Article | April 2019

Final Regulations – 2020 Notice of Benefit and Payment Parameters
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Article | October 2018

New Guidance on HRAs and Section 1332 Waivers
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Article | April 2018

Final Regulations - 2019 Notice of Benefit and Payment Parameters
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Article | December 2017

Tax Reform Bill Includes Repeal of Individual Mandate Beginning in 2019
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Article | December 2017

Tax Reform Bill Passes the U.S. Senate with Potential ACA Impacts
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Article | October 2017

Proposed Regulations – 2019 Notice of Benefit and Payment Parameters
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Article | October 2017

Executive Action on Health Care
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Article | September 2017

No ACA Repeal and Replace Under 2017 Reconciliation Process – What’s Next?
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Article | July 2017

ACA Repeal and Replace Efforts Unsuccessful in U.S. Senate
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Article | June 2017

ACA Repeal and Replace Efforts Continue in the Senate
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Article | May 2017

The American Health Care Act (AHCA) Passes the U.S. House
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Article | April 2017

Final Regulations Issued for Individual Market Stabilization
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Article | March 2017

AHCA Withdrawn – What’s Next?
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Article | March 2017

The American Health Care Act – A Milestone Toward Repeal and Replace
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Article | February 2017

Proposed Regulations Issued for Individual Market Stabilization
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Article | January 2017

Navigating the Road Ahead
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The Evolving Health Care Landscape

Recent legislative, regulatory, and administrative changes that are impacting the ACA.

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Health Insurance Exchanges/Marketplaces
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Fees and Taxes

Insurers and employers pay several fees and taxes to help fund the ACA.

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Health Insurance Portability and Accountability Act
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Cadillac Tax
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Informed on Reform FAQs

What is the Actuarial Value Calculator and how is it used?

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Informed on Reform News
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Essential Health Benefits

Understand what plans must cover these health benefits, and how various plans are impacted by respective cost sharing limits and rules.

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Embedded OOP Customer Impacts
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Medical Loss Ratio Rebates FAQs

Answers to the most common questions around Medical Loss Ratio (MLR) rebates.

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Employer Mandate

Employers must offer health insurance or pay a penalty

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Wellness Programs and Incentives

Federal regulations are complex – understand the rules for "participatory" and "health contingent" wellness programs and related incentives

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Summary of Benefits and Coverage
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Individual Mandate

From 2014 - 2018, most Americans were required to have health insurance or pay a penalty.

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Cost Sharing

These limits apply to in-network out-of-pocket costs for most health plans

Our Vision and Approach

Cigna supports choice, transparency, and quality in order to expand access to care, improve health, and provide affordable and sustainable coverage. We believe aligning incentives among employers, individuals, and health care providers is essential to establishing a more cost-effective system that rewards outcomes, quality, and health improvement.

Industry Awards and Recognitions

Informed on Reform has been recognized by the following industry award programs:

  • The Communicator Awards
  • Stevie Award Honorees
  • Health Awards
  • Aster Awards

Industry Insights

Helping our clients and partners keep up with trends and new developments in health care and group benefits.

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Stay Up to Date

A few times a year, we’ll send you updates on industry trends, regulatory changes, and new requirements.

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