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Health Care Reform:

Health Insurance & Affordable Care Act

No Health Insurance? What Health Reform Will Bring

If you don't have health insurance -- or Medicare or Medicaid -- now, find out what health care reform will mean for you.

Retirees Not on Medicare

Already in effect:

  • Early retiree coverage. People who retire and give up employer-sponsored health insurance before they are old enough to qualify for Medicare are often left without affordable health plan options. Until the health exchanges launch in 2014, businesses willing to extend coverage to workers (and their dependents) who retire between age 55-65 will be reimbursed by the government to offset the cost of doing so.

Businesses aren't required to offer this coverage. The government has made public a list of employers currently participating in the Early Retirement Reinsurance Program, which began in June. You can check healthcare.gov to see if your employer is among them.

Low Income

Already in effect:

  • Expanded Medicaid coverage. As of April, states can receive additional federal matching funds by expanding eligibility for some low-income families who were not able to get coverage before.

Coming in October 2013:

  • Expanded coverage for Children’s Health Insurance Program (CHIP). CHIP programs provide low-cost health insurance for children in families who earn too much income to qualify for Medicaid, but can’t afford to buy health insurance on their own. Due to health reform, states will receive additional funding in order to maintain and expand coverage for millions of children who are currently uninsured.

Each state runs its own CHIP program. You can find information about the program where you live at InsureKidsNow.gov.

Coming in January 2014:

  • Increased access to Medicaid. States will receive additional funding from the federal government to cover the cost of extending Medicaid benefits to include a wider range of people. If you’re an individual making $14,000 per year or a family of four earning $29,000 or less (133% of the poverty level) starting in 2014, you’ll qualify.

 

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