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    Health Care Reform:

    Health Insurance & Affordable Care Act

    Health Reform Law Timeline

    2010 Changes continued...

    Effective: July 1, 2010

    People who use indoor tanning services pay a 10% tax on its cost. The tax is collected by the business providing the services. First payments were due Nov. 1, 2010.

    Impact: Although the Indoor Tanning Association estimated that 25,000 businesses were providing indoor tanning services, so far, only about 10,300 have filed tax forms reporting tanning taxes.

    Provision: Insurance for People With Pre-existing Medical Conditions

    Effective: July 1, 2010

    Pre-existing Condition Insurance Plans (PCIPs) make health insurance available to people with pre-existing medical conditions who have been uninsured for at least six months. The program is intended as a bridge between 2010 and 2014, when the Affordable Care Act makes it illegal for insurance companies to deny anyone coverage, regardless of their medical condition.

    States can choose to run the program on their own or let the Department of Health and Human Services establish one on their behalf.

    Impact: Today, 27 states operate their own PCIP program. Twenty-three states and the District of Columbia have opted for the federal government to operate the program for them.

    To date, the program has extended insurance coverage to 62,000 Americans, a number that falls far short of the government’s initial prediction that 375,000 people would enroll by the end of 2010.

    Provision: New Consumer Web Site

    Effective: July 1, 2010

    The Department of Health and Human Services developed an online web site where consumers can search for health insurance coverage options in their state. The Insurance Finder resource on Healthcare.gov has information about both public and private insurance, including a summary of costs and coverage details.

    Impact: The site offers information about 4,000 private health plans offered by more than 200 insurers throughout the country.

    Provision: Right to Appeal Insurer’s Decision

    Effective: Sept. 23, 2010

    Consumers can now file two different types of appeals if they disagree with a decision made by their insurer.

    First, consumers can file an internal appeal with their insurer. Second, consumers can appeal their insurer’s decision to an independent third-party if they are not happy with the outcome of the internal appeal.

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