The changes coming in 2012 will be mostly cosmetic and in preparation for 2014. Small Businesses will bear the brunt of most changes, but there will be some modifications for the individual marketplace as well.
The big changes for small business are the preparation for W2 changes that the IRS has mandated for 2013, in which businesses will have to report the value of each employee's health insurance benefits on the employee's W2. Other changes are due to the minimum benefit health plan definitions that the federal Health and Human Services department decided to pass on to the states to decide. In California, the insurance companies have been asked to provide the state with their most popular individual and small group health insurance plans. The state intends to use this information to help guide the definition of the minimum benefit standards.
For individuals in California, the state decided to require that all individual health plans provide maternity care starting on July 1st 2012. This will result in a costly new benefit being added to all plans that don't currently offer maternity care, and therefore will likely increase premiums for everyone.
Stay tuned for further updates....
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