Health Care Reform
PIA supports the critical role that independent agents play in the sale and services of health insurance.
The Patient Protection and Affordable Care Act (ACA) was signed into law in March 2010, dramatically changing the way that health insurance is bought and sold in the U.S. With the passage of the ACA, PIA has been a tireless advocate for independent agents, working to maintain a strong role for independent agents in the ACA-created health exchanges and to ensure that small business will still be able to offer their employees quality and affordable healthcare.
PIA Advocates for Independent Agents by:
- Working with the Center for Consumer Information and Insurance Oversight (CCIIO) to help maintain a strong role for agents and brokers in the federally facilitated marketplace (FFM).
- Supporting legislation in Congress to ensure that consumers have adequate access to health insurance agents and brokers, including legislation to fix the improper classification of agent commission under the medical loss ratio (MLR) and legislation supporting strong consumer protections for ACA assistance personnel.
- Working with the National Association of Insurance Commissioners (NAIC) and state insurance departments and legislatures to ensure that ACA assistance personnel are properly licensed and regulated under state and federal law.
Recent PIA Letters & Comments
- May 15, 2015, Coalition Letter to IRS regarding “Cadillac Tax”
- May 4, 2015, Letter to IRS regarding “Cadillac Tax”
- Sept. 30, 2014, Letter to NAIC regarding state regulation of navigators
Government Resources for Agents & Brokers
- The Center for Consumer Information & Insurance Oversight: Resources for Agents and Brokers in the Health Insurance Marketplaces
- Internal Revenue Service: ACA Tax Information
- Medicare Learning Network
- CMS Enterprise Portal
Click Here for Archived Resources