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Valuation of all assets and liabilities, other than technical provisions should be carried out, unless otherwise stated in conformity with International Accounting Standards as endorsed by the European Commission. They are therefore considered a suitable proxy to the extent they reflect the economic valuation principles of Solvency II. Therefore the underlying principles (definition of assets and liabilities, recognition and derecognition criteria) stipulated in the IFRS-system are also considered adequate, unless stated otherwise and should therefore be applied to the Solvency II balance sheet. . | ConsumersUnion PUBLISHER OF CONSUMER REPORTS The Affordable Care Act The First Year DISCOVER WHAT THE NEW LAW MEANS FOR YOU AND YOUR FAMILY A Note About Using This Guide What s a Grandfathered Plan You ll see references to grandfathered and nongrandfathered or new plans. Put simply grandfathered plans are those that existed when the health-care reform law was signed on March 23 2010 and that have not made significant reductions in benefits causing them to lose that status. If plans lose theừ grandfathered status they must meet the new provisions described in this guide. We ve noted where new rules do not apply to grandfathered plans. Check with your insurer or human resources representative for more information about your plan s status. PHOTOGRAPHS BY GARY PARKER COVER R 3 BLAKE HUTSON COVER p. 5 KACIE JEAN COVER R3 WHITNEY CURTIS p.4 ROBERT GRANT p.4 COURTESY OF ED MORRIS p.6 What s going on with the new health-care law what does it really do for you and your family If you re confused and want to know the facts you re certainly not alone. That s where Consumers Union comes in. Since its founding 75 years ago Consumers Union the publisher of Consumer Reports has been focused on providing consumers with easy-to-understand comparative information so that they can make the best decisions in the marketplace. We know firsthand that the health-care marketplace is one where consumers have deep concerns. We ve been especially motivated on the issue by the personal stories we ve heard and surveys we ve conducted involving real people with real problems. They want access to safe and affordable health care for themselves and their families. Indeed six out of 10 Americans we surveyed in April 2009 said they were concerned about going bankrupt because of an illness or accident. And in fact catastrophic medical bills are still among the main causes of bankruptcy in the U.S. The new health-care law the Patient Protection and Affordable Care Act includes several key consumer .
