Coming Soon: A New Way to Find Health Insurance | Health Care and You.

The Affordable Care Act is a health care law that aims to improve our current health care system by increasing access to health coverage for Americans and introducing new protections for people who have health insurance.

If you have health insurance, you will benefit from steps to stop insurance companies from cancelling your coverage if you get sick. The law will also require insurance plans to cover your out-of-pocket costs for many proven preventive and screening services, such as colonoscopies and mammograms, to catch problems at their earliest, most treatable stages.

Your job might not offer health insurance. Or maybe you have been denied coverage because of a pre-existing condition such as asthma or cancer. The law now offers health plans for people with pre-existing conditions who have had trouble finding care. And it will increase access to coverage for more Americans in 2014.

The law helps small businesses pay for health insurance for their employees. And it supports programs that will help increase the number of primary care physicians, nurses, physician assistants and other health care professionals.

It is important to understand what the law means for you. Check out what changes have already taken place and learn more about what is happening in your state. And visit check out some Frequently Asked Questions for answers to your questions.

Some Parts of the Law

Right Now

  • Young adults can now stay on their parent’s health plan up to age 26. learn more …
  • Some small businesses with fewer than 25 employees can get help paying for the cost of providing health insurance. learn more …
  • Insurance companies can’t deny health coverage to kids with pre-existing conditions.learn more …
  • Adults who have been uninsured for at least 6 months and have been denied coverage because of a pre-existing condition may now get coverage. learn more …
  • Insurance companies can’t place dollar limits on the health care they cover in your lifetime. learn more …
  • Those in the Medicare Part D “doughnut hole” get a 50 percent discount on name-brand prescription drugs and a 7 percent discount on generic prescription drugs. learn more …
  • Those in Medicare can get preventive services and screenings, such as mammograms and colonoscopies, at no cost to them. learn more …
  • New health plans must offer preventive and screening services, such as mammograms and colonoscopies, at no cost to the patient. learn more …
  • Insurance companies must spend 80 percent of your premium dollars on your care. learn more …

Down the Road

 

  • Insurance companies won’t be able to deny coverage to anyone with a pre-existing condition. learn more …
  • Health insurance will cover essential health benefits and coverage will be guaranteed for nearly all Americans. learn more …
  • Most Americans will be required to purchase health insurance if they don’t already have it – and depending on your income, they may get help paying for it. learn more …
  • Insurance companies won’t be able to place dollar limits on the care they cover in a single year. learn more …
  • Americans without health insurance will be able to buy it through state-based marketplaces called exchanges. learn more …
  • More Americans will have access to health coverage through Medicaid. learn more …
  • Patients with Medicare will have access to better coordinated care. learn more …

Down the Road

  • Insurance companies won’t be able to deny coverage to anyone with a pre-existing condition. learn more …
  • Health insurance will cover essential health benefits and coverage will be guaranteed for nearly all Americans. learn more …
  • Most Americans will be required to purchase health insurance if they don’t already have it – and depending on your income, they may get help paying for it. learn more …
  • Insurance companies won’t be able to place dollar limits on the care they cover in a single year. learn more …
  • Americans without health insurance will be able to buy it through state-based marketplaces called exchanges. learn more …
  • More Americans will have access to health coverage through Medicaid. learn more …
  • Patients with Medicare will have access to better coordinated care. learn more …
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