Below is a brief summary of the expected changes to you and your business in 2011 due to the Health Care Reform Act:

• Over-the-counter medications will NOT be allowed for reimbursement in a Flex Spending Account.
• Insurers must spend at least 80% of premiums on medical services.
• Medicare prescription drug beneficiaries will receive a 50% discount on brand-name drugs while in the gap (between $2,700 and $6,154).