To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

Delta Dental Quoting

Employer contribution entered in Dental Contribution under Group Information affects the Delta Dental plans and rates returned. Please be aware that Delta Dental will require groups with 100% employer contribution to have 100% participation.

If you need assistance, please contact our Quotes team at or 800.696.4543.

Login To Prism

Major Healthcare Reform Decisions: Taxes Eliminated, Individual Mandate Deemed Unconstitutional

Major Healthcare Reform Decisions: Taxes Eliminated, Individual Mandate Deemed Unconstitutional

Jan 7, 2020, < 1 Minute Read

Late last year there were two consequential health care reform decisions.

Cadillac Tax Repeal

President Trump in December signed legislation repealing the “Cadillac Tax” on high-cost health insurance plans.

The Cadillac Tax, part of the original ACA legislation, was originally scheduled to go into effect in 2018, and was subsequently repeatedly delayed. Always unpopular on both sides of the aisle, there is little chance of it being re-introduced anytime soon.

The signed legislation also included the repeal of two other unpopular ACA taxes: the Health Insurance Tax, HIT (repeal becoming effective in 2021), and the Medical Device Tax (repeal effective in 2020).

Individual Mandate Court Decision

In December, the federal Fifth Circuit Court of Appeals affirmed a lower court decision that the Individual Mandate was unconstitutional. The practical impact of the decision is unclear, as the appeals court handed the decision back to the lower court to assess the impact on other provisions of the Affordable Care Act. Health policy experts confidently predict that the whole issue is likely headed to the Supreme Court later this year, with a final decision not likely until 2021.


These decisions at the federal level will not have an impact anytime soon. However, the California Individual Mandate became effective January of this year.

Claremont has several HR Compliance partners who can help brokers and employers navigate the changing healthcare reform landscape. See the HR Compliance section on our partner page for company descriptions and contacts.

Contact the small group experts at 800.696.4543 or