aca overview

President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010, and many of the major provisions impact the private health insurance industry.  The foundation of the ACA requires every American to carry health insurance – called the individual mandate – or face a tax penalty. 

Brokers were not immune to ACA changes. In fact, you are required to take training courses and obtain certification to sell products on the state exchange. Many of the ACA regulations and rules are now the law of the land, but we’ll continue to alert you of any healthcare reform changes on the broker portal or through our broker email alerts. Our team is always ready to help you if you have any questions.

Besides the individual mandate, the ACA changed the types of plans you can sell and created a marketplace for Idahoans to purchase health insurance.

If your client purchased a plan between March 23, 2010 and December 1, 2013, and did not make any changes to that plan, his/her plan is grandmothered. Any client with a grandmothered plan may keep this plan until his/her renewal date between October 1, 2015 and September 30, 2016. If you do have a client that falls into this category, he/she may purchase a new QHP at renewal or during the upcoming open enrollment.

We have a dedicated web portal for brokers.  Please visit to register.  You have access to a wealth of information, including, forms and you can track a client’s application status. 

The content provided on this website is considered informational and is not the equivalent of legal advice. Consult legal and tax experts to understand how the law will affect your individual or business circumstances.