Affordable Care Act and Me: What Is Changing?

With the rest of the of the Affordable Care Act (ACA) going into effect on January 1st, 2014, everyone in the United States will be effected in some way. You will see improved care and lower healthcare costs for healthy and unhealthy people.  If you were previously denied coverage, you will now be able to obtain a health insurance plan under the new Health Insurance Exchange. You might even receive a subisdy from the government to assist with your health insurance premiums. There are many other changes also going into effect, which are all meant to assist you. Below are some of the featured changes that will go into effect under the Affordable Care Act on January 1st, 2014.

5 Things to Know for Hea​lthy Individuals

1. Under the health care law, insurance companies can no longer drop you when you get sick just because you made a mistake on your coverage application.
   
2. Parents have new options to cover their children . If you have children under age 26, you can insure them if your policy allows for dependent coverage. The only exception is if you have an existing job-based plan, and your children can get their own job-based coverage.
   
3. Job-based health plans and new individual plans are no longer allowed to deny or exclude coverage to any child under age 19 based on health conditions, including babies born with health problems.
   
4. Starting in 2014, if your income is less than the equivalent of about $88,000 for a family of four today and your job doesn’t offer affordable coverage, you may get tax credits to help pay for insurance.
   
5. Starting in 2014, if your employer doesn’t offer insurance, you will be able to buy insurance directly in the Health Insurance Marketplace that gives you power similar to what large businesses and members of Congress have to get better choices and lower prices.

1. Under the health care law, if you have been uninsured for at least six months and have a health condition, you may be able to get health insurance through the Pre-Existing Condition Insurance Plan
   
2. If a new insurance plan doesn’t pay for services you believe were covered, you now have new, clear options to appeal the decision .
   
3. Insurance companies can no longer drop you when you get sick just because you made a mistake on your coverage application.
   
4. Starting in 2014, job-based and new individual plans won’t be able to exclude you from coverage or charge you a higher premium for a pre-existing condition, including a disability.
   
5. Starting in 2014, if your income is less than the equivalent of about $88,000 for a family of four today, and your job doesn’t offer affordable coverage, you may get tax credits to help pay for insurance.
   
6. If you have insurance and have problems with your plan or questions about your coverage, get help through the Consumer Assistance Program .
   
7. If you have been rejected for insurance, learn more about your rights and find out how to appeal denied claims .

Contact Information

Walter Colpitts

Health Insurance Expert

Healthy Florida.com, INC

(1) 5612144600

bill@healthyflorida.com