Affordable Care Act (ACA)

Affordable Care Act (ACA)
In March 2010, President Obama signed comprehensive health reform, the Patient Protection and Affordable Care Act (ACA), into law. The law makes preventive care—including family planning and related services—more accessible and affordable for many Americans.  While many provisions of the law have already taken effect, several more provisions will be implemented in the coming years. 

Questions about the ACA?   Call Midwest Group Benefits, Inc. at 800-344-3766.  We are  YOUR LOCAL RESOURCE for ACA compliance with certified Marketplace Agents on staff.


Health Insurance Marketplace Applications

How do I apply for coverage?

Health Insurance Marketplace Applications

One way you can apply for coverage is to fill out a paper application and mail it in. By completing the application, you'll find out whether you're eligible for lower cost insurance options.  Once you receive your eligibility notice, a Midwest Group Benefits certified marketplace agent can assist you with comparing, choosing and enrolling in a plan that best fits your needs.


Midwest Group Benefits suggests returning the completed application to our office so one of our certified Marketplace agents can review it for completeness.  Completed forms can be mailed to:


Midwest Group Benefits, Inc.

Attn: Marketplace Applications

PO Box 408

Decorah, IA 52101


Marketplace Exchange Notices

Marketplace Exchange Notices

On May 8, 2013 the DOL Employee Benefits Security Administration provided temporary guidance for employers on this exchange notification requirement in Department of Labor Technical Release 2013-02.  The technical release provides information for employers about the requirement that it notify employees by October 1, 2013 about coverage options in exchanges or health insurance marketplaces.  The technical release also contains two alternative model notices that employers may (but are not required to) use to provide notification.  We have provided the notices below for your convenience.



NOTE: The DOL released FAQ on September 11, 2013 stating that although employers SHOULD provide the Exchange Notice, there will be no fine or penalty under the law for failing to provide it.


Affordable Care Act Tax Provisions

Affordable Care Act Tax Provisions
The Affordable Care Act contains many tax credits and other provisions for both individuals and employers.  The IRS administers the tax provisions contained in the law.  Below is a link which provides more information on the various tax provisions.
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