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This is the first in a series of articles designed to share information about the Affordable Care Act as it goes through its next phase of implementation. Our intention is to provide details as they are released about issues that will affect the health insurance coverage of those under age 65 and over age 65.

Each article will be numbered and titled for easy differentiation. Please read through these as you receive them and let us know if you have any questions.  You will also be able to reference these on our website at www.cdainc.net.

Although the next set of changes are scheduled for January 1, 2014 implementation, with an October 1, 2013 start of open enrollment, we will watch for any postponements that may occur.  Plan designs, premiums and networks are being released gradually, and complete disclosure should be available very soon.

We expect that interpretation of the various Affordable Care Act rules may differ among carriers and that there details may change as we approach the new year.