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Health Care Reform:

Health Insurance & Affordable Care Act

Health Care: Presidential Candidate Comparison


Under the Affordable Care Act, Medicaid was supposed to expand to cover an additional 17 million low-income Americans. However, the Supreme Court's ruling from earlier this year may change that because states can choose not to take part in the plan.

President Obama (D)

  • Cover people with incomes up to 138% of the poverty level -- $15,415 for individuals and $31,809 for a family of four in 2012.
  • Cover 100% of state costs to expand coverage between 2014 and 2016. Coverage reduced to 90% by year 2020.
  • No coverage for people in this country illegally.

Gov. Romney (R)

  • Turn Medicaid into a block grant program. Give states a set amount of money to spend as they choose.

Pre-Existing Conditions

People with pre-existing conditions have real problems with insurance. Often they can't get it, or if they can it's extremely expensive.

President Obama (D)

  • Insurance companies cannot deny coverage to a child due to a pre-existing condition.
  • When the health reform law takes full effect Jan. 1, 2014, insurers can no longer deny coverage or charge more to anyone for a pre-existing condition.
  • Until 2014, the federal Pre-Existing Condition Insurance Program (PCIP) allows people denied insurance due to a pre-existing condition to buy coverage at a reasonable rate.

Gov. Romney (R)

  • Protect people with pre-existing conditions who already have continuous coverage. This protection is currently offered under the law.
  • People with pre-existing conditions find coverage on open market or through high-risk pools set up by the states.

Young Adults' Health

One out of 10 people without health insurance are ages 19 to 29, almost twice the rate as among people ages 30 to 64, largely due to the high cost of coverage.

President Obama (D)

  • Keep adult children without access to their own coverage on their parents' health plans until age 26.
  • About 3 million additional young adults have received health insurance benefits.
  • Starting Jan. 1, 2014, young adults will be able to buy more affordable coverage through the state health insurance markets.

Gov. Romney (R)

  • Find coverage through the open market.

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