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Health Care Reform:

Health Insurance & Affordable Care Act

Health Reform Law Timeline

2010 Changes continued...

Plans with “grandfathered” status -- those that were already in place when health reform became law on March 23, 2010, and have made minimal changes to their benefit designs and costs -- are exempt.

Impact: By 2013, only 34% of small businesses with 100 or fewer employees offering health plans and 55% of large employers are expected to have grandfathered status. On the individual market, between 33% and 60% of health plans are expected to lose their grandfathered status by 2013.

Provision: Young Adults Gain New Coverage Options

Effective: Sept. 23, 2010

Young adults are allowed to stay on their parent’s health insurance plan until they turn 26 years old as long as they do not have access to insurance of their own through a job. Even adult children who are married or live in another state may be eligible.

Impact: To date, 6.6 million young adults have been able to sign up for coverage on their parents' plans, including 3.1 million who would have been uninsured without the law. 

Provision: Children With Pre-existing Conditions Guaranteed Coverage

Effective: Sept. 23, 2010

Health plans can no longer deny insurance coverage to children under the age of 19 with pre-existing health conditions. This applies to new and grandfathered plans in the employee-based insurance market but does not apply to people with existing plans purchased on the individual insurance market.

Impact: Nearly 5 million children diagnosed with illnesses that can be considered pre-existing medical conditions and result in a denial of insurance coverage are protected by this provision of the law.

Provision: Preventive Care With No Co-pay

Effective: Sept. 23, 2010

All new health plans are required by law to pay for a range of preventive medical services. These include diabetes and high blood pressure screenings, cancer screenings (such as colonoscopies and mammograms), vaccines, and well baby and child visits. No co-payments or deductibles are required at the time of care. This does not apply to insurance plans with grandfathered status.

Impact: The Department of Health and Human Services estimated that to date, 54 million Americans have received preventive benefits without cost-sharing as a result of this provision of the ACA.

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