Recently, during an enjoyable lunch overlooking Charm City’s inner harbor, I explained to my client why the PACE Act made all of changes she made last September to her company’s group health plan obsolete. My client choked a bit on her calamari, and asked, “Wait, Zack; are you telling me that almost six years after passing the Affordable Care Act, Congress finally decided that the expansion of small group was a bad idea, but it waited until all of us had overhauled our health plans, changed carriers and altered the funding mechanism of our plans to finally come to this conclusion?”

“Yes, that’s exactly what happened,” I replied.

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