Health care reform

In 2010, President Obama signed into law the Affordable Care Act (ACA), also known as health care reform. As additional ACA regulations have gone into effect each year since the law went into effect, Ardent has implemented the needed adjustments to our plans. For example, this year we are adding the embedded out-of-pocket maximum to family-level High Deductible Health Plan coverage. Also, all taxpayers must submit information with their 2015 income tax returns showing that they have satisfied the “individual mandate” to maintain health insurance coverage for themselves and their eligible dependents. Ardent will send you a 1095-C form in early 2016 confirming your coverage, and you’ll need to provide it to the IRS at tax time.

Because ACA regulations will continue to evolve, here are some resources to use for background.

  • The basics of the ACA and what it means to you and Ardent.
  • A glossary of terms and FAQs to provide an overview of health care reform.
  • As a result of health care reform, Ardent is required to provide you with a Summary of Benefits and Coverage (SBC) for each plan we provide. These fact sheets are meant to give you a standard format for comparing medical plans.
  • Ardent is also required to provide you with an ACA Marketplace Notice [PDF] that provides basic information about the new marketplaces and your Ardent benefits. This notice is meant to inform you that Ardent's medical plans already meet all the legal requirements under the ACA.