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Health Care Reform


At Sterling Benefits, we are proactively working with multiple resources to dissect the various facets of the law and to understand the guidelines and timelines it presents to our clients.  You can expect that we will provide ongoing communications and information as interpretation and implementation details continue to unfold from the government.    

Our priority at Sterling Benefits is to stay focused on delivering value and quality customer service to our customers as we work together with health care reform.  Significant changes will take place in 2014.  In the meantime, there are some items that will require attention much sooner.  We will keep you posted as details and clarifications from the government are made available. 
We encourage you to review this information and utilize our office, 757-624-5200, as a resource in addressing questions and concerns.


Sterling Benefits Contact Information
Brenda Cutting, FLMI 757-624-5200 (ext. 5232)
Christina Brunner 757-624-5200 (ext. 5230)




Hot Topic

Marketplace Open Enrollment 10/1/2013 - 3/31/2014


Health Care Reform does nothing to sever the Client / Broker relationship and our ability to help you. Under ACA, Sterling Benefits, LLC will continue to be able to advise and assist clients with their benefit needs as we move into 2014.

Our job at Sterling Benefits Holdings, LLC is to make sure:  1) you understand how the law affects you, your family, and your employees; 2) assist you in making informed decisions regarding your benefits; and 3) to assist you with compliance with the new regulations.

We want to assure you we are Marketplace Certified and will be able to provide all of our clients with the help needed to find the best solution for your specific situation.

Please review the Health Care Reform Benefit Options Hot Topics for more information:
Health Care Reform - Individual Benefit Options

Health Care Reform - Small Group Benefit Options

Health Care Reform - Large Group Benefit Options

Previous Sterling Newsletters & Hot Topics
Health Care Reform - Essential Health Benefits (EHB) 10/1/2013
Health Care Reform - Early Renewals 7/1/2013
Health Care Reform - Delayed Employer Mandate 7/1/2013
Health Care Reform - PCORI Fees 7/1/2013
Health Care Reform - Model Notices 5/21/2013
Health Care Reform Checklist 5/10/2013
Health Care Reform News for 2013 3/11/2013
Health Care Reform - SBC Explanation 10/1/2012   SBC Sample
Health Care Reform - Supreme Court Ruling 7/20/2012
Health Care Reform News for 2012 1/20/2012
Health Care Reform News for 2011 3/1/2011  Sample Grandfathered PPACA Notice
Health Care Reform - 9/23/2010 Requirements  Sample PPACA Notice
Health Care Reform - Tax Credit 5/21/2010  Calculator
Health Care Reform FAQ's 5/7/2010
Health Care Reform Overview 4/16/2010
As part of our ongoing commitment to keep you informed, Sterling Benefits has added a resource to release the latest updates in a timely manner without inundating you with emails. We encourage you to read our News Feed at your leisure or you may subscribe to the “blog” to receive a weekly digest of any communications.



Calendar & Timelines

Interactive Timeline
Archived Timelines

Immediate and Longer Term Reform Timeline

Immediate and Longer Term Insurance Market Reforms

Health Care Reform Bill Provisions Timeline 

Health Care Reform Bill Timeline


IMPORTANT: This website and documents are designed to provide a general overview of the new health reform law. It does NOT attempt to cover all of the law's provisions and should NOT be used as legal advice for implementation activities. We encourage you to seek any professional advice, including legal counsel, regarding how the new requirements will affect your specific plan.


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Check the background of this financial professional on FINRA's BrokerCheck