With the President’s signature to the Health Care and Education Reconciliation Act of 20101 on March 30, 2010 following the approval of the Patient Protection and Affordable Care Act2 on March 23, 2010, the task that has eluded administrations for nearly 80 years was accomplished.3 The massive reform of the health care system, the most sweeping change in domestic policy in a generation, phases in over the next several years. Basically, the legislation expands health insurance coverage by requiring “minimal insurance coverage” for individuals and their dependents beginning by 2014, by obtaining coverage through their employers or by purchasing coverage through newly created market places called “exchanges” starting in 2014.4



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