Health-care reform that mean for you
Almost every American will be hit, whether it's by getting more coverage or pay more money
Parts of Affordable Care Act, the official name of the health reforms that are already in force. Young people can now remain on their parents health policy up to 26 years, for example, in a more prosaic level, the sessions in the tanning bed can cost more because of the 10 percent tax on tanning services, introduced last July 1. What happened to that will have significance for Americans, and what's coming in 2011 and beyond? Here's a short list.
1. What has happened so far. Health insurers can no longer impose lifetime limits on coverage, a boon for those with expensive chronic health problems like cancer or heart failure, found themselves bankrupt after their insurance runs out. Parents who have group policies through their employers have the right to continue coverage for unmarried children, as noted above, an urgent need, especially now, with sky-high unemployment among recent college graduates. Health insurers must cover certain preventive services, such as osteoporosis screening for women over 65, smoking cessation counseling and intervention, colonoscopy, high-throughput screening of blood pressure, and screenings for diabetes and sexually transmitted diseases. Seniors were previously required to pay a portion of the cost of medical services, including cancer of movies and annual medical examinations, and the law makes such preventive services are free for most beneficiaries. People with serious illnesses that prevented them get the coverage will be entitled to purchase insurance for high-risk pool in the state-subsidized exchange at a price similar to that healthy people pay for their premiums. (Private insurers can refuse applicants are still based on pre-existing conditions until 2014, when the exchange opened.)
2. You will have to purchase health insurance if you do not have any, or face punishment. As of 2014, anyone who is currently uninsured to purchase a policy or pay a fine. Individuals who do not qualify for government subsidies to pay about $ 5,000 per year for a policy on the exchange, while families have to pay about $ 15,000, according to John Goodman, president of the National Center for Policy Analysis, nonprofit public policy research organization, based in Dallas. (Subsidies to reduce these premiums will be available to individuals making between $ 15,000 and about $ 43,000 and for families making up to nearly $ 90,000 on a sliding scale based on income. Subsidised plans a family of four, for example, in the range of $ 1,300 per year to up to $ 8,400 per year.) fines start at $ 95, or 1 percent of income for individuals is greater, and in 2016 increased to $ 695, or 2.5 percent of revenue, depending on is greater. Families pay a heftier fine $ 2085, or 2.5 percent of revenue by 2016. "Many of them argue that these penalties are not high enough," says Goodman, "and that middle-class families may simply choose to go without insurance and pay a fine."
3. You will not lose coverage if you get sick, or be denied the new policy because of pre-existing condition. Beginning in 2014, insurers can not deny applicants based on, say, the early diagnosis of breast cancer. And they are no longer able to abandon the existing policies, if they can not determine a clear case of fraud as someone who did not disclose that the earlier cancer. In the past, insurance companies often rescrubbed policies after individuals have been diagnosed with expensive diseases.
4. You can expect more waiting to see a new doctor. This lack of security, millions of Americans greater access to medical care without a simultaneous increase in the number of health workers. In Massachusetts, where health insurance is universal, Boston residents will have to wait about twice as long to see a doctor, as people in any other American city, says Goodman. Over time, however, demand growth and employment opportunities can bring more doctors and nurses, flooding into the workforce, helping to alleviate this problem.
Almost every American will be hit, whether it's by getting more coverage or pay more money
Parts of Affordable Care Act, the official name of the health reforms that are already in force. Young people can now remain on their parents health policy up to 26 years, for example, in a more prosaic level, the sessions in the tanning bed can cost more because of the 10 percent tax on tanning services, introduced last July 1. What happened to that will have significance for Americans, and what's coming in 2011 and beyond? Here's a short list.
1. What has happened so far. Health insurers can no longer impose lifetime limits on coverage, a boon for those with expensive chronic health problems like cancer or heart failure, found themselves bankrupt after their insurance runs out. Parents who have group policies through their employers have the right to continue coverage for unmarried children, as noted above, an urgent need, especially now, with sky-high unemployment among recent college graduates. Health insurers must cover certain preventive services, such as osteoporosis screening for women over 65, smoking cessation counseling and intervention, colonoscopy, high-throughput screening of blood pressure, and screenings for diabetes and sexually transmitted diseases. Seniors were previously required to pay a portion of the cost of medical services, including cancer of movies and annual medical examinations, and the law makes such preventive services are free for most beneficiaries. People with serious illnesses that prevented them get the coverage will be entitled to purchase insurance for high-risk pool in the state-subsidized exchange at a price similar to that healthy people pay for their premiums. (Private insurers can refuse applicants are still based on pre-existing conditions until 2014, when the exchange opened.)
2. You will have to purchase health insurance if you do not have any, or face punishment. As of 2014, anyone who is currently uninsured to purchase a policy or pay a fine. Individuals who do not qualify for government subsidies to pay about $ 5,000 per year for a policy on the exchange, while families have to pay about $ 15,000, according to John Goodman, president of the National Center for Policy Analysis, nonprofit public policy research organization, based in Dallas. (Subsidies to reduce these premiums will be available to individuals making between $ 15,000 and about $ 43,000 and for families making up to nearly $ 90,000 on a sliding scale based on income. Subsidised plans a family of four, for example, in the range of $ 1,300 per year to up to $ 8,400 per year.) fines start at $ 95, or 1 percent of income for individuals is greater, and in 2016 increased to $ 695, or 2.5 percent of revenue, depending on is greater. Families pay a heftier fine $ 2085, or 2.5 percent of revenue by 2016. "Many of them argue that these penalties are not high enough," says Goodman, "and that middle-class families may simply choose to go without insurance and pay a fine."
3. You will not lose coverage if you get sick, or be denied the new policy because of pre-existing condition. Beginning in 2014, insurers can not deny applicants based on, say, the early diagnosis of breast cancer. And they are no longer able to abandon the existing policies, if they can not determine a clear case of fraud as someone who did not disclose that the earlier cancer. In the past, insurance companies often rescrubbed policies after individuals have been diagnosed with expensive diseases.
4. You can expect more waiting to see a new doctor. This lack of security, millions of Americans greater access to medical care without a simultaneous increase in the number of health workers. In Massachusetts, where health insurance is universal, Boston residents will have to wait about twice as long to see a doctor, as people in any other American city, says Goodman. Over time, however, demand growth and employment opportunities can bring more doctors and nurses, flooding into the workforce, helping to alleviate this problem.
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