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Health Care Reform

As part of efforts to address the health insurance needs of members, NAR has advocated for reform of the health insurance markets that provide coverage to the self-employed and small employers. Here you’ll find information about new health care reform laws that will make a major change to many aspects of our health care system.

Background

More than one-quarter of REALTORS® are uninsured. As part of efforts to address the health insurance needs of members, NAR has advocated for reform of the health insurance markets that provide coverage to the self-employed and small employers for more than nine years.

Among the legislative approaches that NAR has advocated are small business health options plans (SHOP), small business health plans (SBHPs) and association health plans (AHPs). NAR continued to represent the interests of the REALTOR® community in the recently completed comprehensive health reform debate.

Patient Protection and the Affordable Care Act

The Affordable Care Act (ACA) (link is external) was signed into law on March 23, 2010. On June 28, 2012, in a 5-4 decision, the U.S. Supreme Court upheld the constitutionality of the ACA.

The Act is complex and multifaceted; of particular importance to REALTORS® and those who must purchase their own health insurance are the ACA underwriting and rating reforms that help to conform the characteristics of health insurance plans purchased by individuals with plans that are traditionally available from employers. Many provisions of the law were effective immediately.  The last provisions of the ACA were scheduled to take effect on Jan. 1, 2015, though that timeline was extended for some .

Legislation, Rulings & Timeline
NAR has put together information on the two bills that comprised the health reform legislation, including Congressional roll call votes, summaries of the bills’ provisions, and the text of the Supreme Court’s ruling on the Affordable Care Act.

Want to learn more?

Both NAR and independent organizations have created a wide array of materials to help explain the provisions of the new health law, as well as provide more detailed commentary. Some of the most helpful materials can be found at:

Political Advocacy

Want to Learn More?

Visit these FAQ pages for answers to common questions about the new health care law.