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Navigating the Currents of Healthcare Reform


  Time Line Chart


Healthcare Reform Timeline



The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010, and the related Health Care and Education Reconciliation Act of 2010 (HCERA), which modifies certain provisions of PPACA, was signed into law on March 30, 2010.

These two laws together, commonly referred to as the "Affordable Care Act," make sweeping changes to existing laws governing employer-sponsored group health plans, individual health coverage, and governmental health programs.

These reforms of our Healthcare system under the Affordable Care Act will change the way care is financed, delivered and regulated. Pacific Coast Benefits is committed to helping our clients understand the law and how it will affect them for years to come. This website has been designed to help our customers understand the new law and its impact on the business, their employees, and the way in which they offer benefits.

Dave Villar
President: Pacific Coast Benefits
Insurance Services, LLC

Our Location

PCB Insurance Services, LLC

7600 Monterey Road, Suite 140
Gilroy, CA 95020
Main office: 408-847-1000

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.