Photo: Getty Images

The funny thing about the Affordable Care Act (ACA) is that many people who support it will admit — if pressed — that it is a very poorly drafted piece of legislation.  

The overall purpose of the ACA, of course, is to provide a general structure for universal health coverage, but Congress left most of the details to three federal agencies (the Internal Revenue Service, the Department of Labor, and the Department of Health and Human Services) to sort out on their own. The results have been mixed, to say the least, though in fairness, the agencies have done the best they could with what they were given.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.