What You Should Know About the ACA
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Male NarratorWhen you see a document this big, it doesn't exactly scream "Read me!" does it?
Male NarratorThat's why we're bringing the Affordable Care Act down to size for you.
Male NarratorAnd the good news is, the basics aren't all that complicated.
Male NarratorFor starters, the Affordable Care Act is a law designed to give all Americans access to health insurance, and to give people who already have health insurance some new protection.
Male NarratorSome changes have already taken place.
Male NarratorFor example, plans must cover the cost of preventive care that can help you stay healthy – like immunizations, mammograms, and colonoscopies.
Male NarratorAnd young people can already stay on their parent's insurance policies until they're 26.
Male NarratorBut more big changes are set to kick in on January 1st, 2014.
Male NarratorStarting then, you can no longer be denied insurance or charged more because you have a pre-existing condition such as asthma, diabetes, high blood pressure, or MS.
Male NarratorAnd insurance plans can’t put lifetime limits, or caps, on the benefits they pay.
Male NarratorHere's something else that happens on January 1st:
Male NarratorMost Americans will be required to have health insurance. And most will pay a penalty if they don't.
Male NarratorYou'll be able to buy your coverage through the new Health Insurance Marketplace, which will help you compare plans and choose the one that's right for you.
Male NarratorEach state will have a marketplace, some run by the state and some run by the federal government.
Male NarratorYou'll be able to shop in person or online starting October 2013
Male NarratorThe Markeplace is also where to go to find out if you can get financial aid.
Male NarratorMore people will qualify for subsidies, or tax credits, to help pay for their insurance.
Male NarratorCounselors called "navigators" will be available to help.
Male NarratorIt's all designed to simplify the process of getting insurance.
Male NarratorSo there you have it, the Affordable Care Act in a nutshell.
Male NarratorAnd don't worry, WebMD will be here for you 24/7 to help you ge started… offering our Quick Start Guide – a personalized walkthrough of the four simple steps:
Male NarratorLearn the Basics,
Male NarratorUnderstand Costs,
Male NarratorKnow Your State Plan,
Male NarratorAnd Get Ready to Enroll.
Male NarratorIf you want to learn more or follow the latest news, come visit us at WebMD.com/My Healthcare.
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