The primary goals of the Patient Protection and Affordable Care Act, as amended by the Health Care and Education Affordability Reconciliation Act (collectively, the 2010 health-care reform legislation) are to ensure that all Americans and legal residents have access to a minimum level of affordable health care, and to help contain the burgeoning costs of our health-care delivery system. The health-care reform legislation invokes a shared responsibility between both state and federal governments, as well as employers and individuals, to contribute toward those ends.

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Considerations for Seniors
The health-care reform legislation enacted in 2010 contains some provisions that directly affect our nation’s older population. If you’re a senior, you may be concerned about how these reforms could affect your access to health care and the benefits you are currently receiving.
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Tax Changes for Individuals
The health-care reform legislation contained a number of tax changes. Some of these changes take effect immediately; others won’t have an impact for a few years. Here’s a year-by-year breakdown of some of the changes worth taking note of.
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How Does Health-Care Reform Affect Businesses?
The health-care reform legislation includes new taxes, but there are also some tax breaks available to help small businesses pay for health insurance. Two of the changes getting a lot of attention: are a tax credit available to small businesses that offer health-care coverage to employees, and a tax to penalize employers who do not offer coverage.
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Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2011.