Affordable Care Act – What you Need to Know

The time to obtain health insurance under the Affordable Care Act is quickly approaching. There are several resources available to help you understand what is offered, whether you need to apply, and what to do to get it.

A helpful question and answer:
http://www.npr.org/blogs/health/2013/07/01/196335133/you-ask-we-answer-demystifying-the-affordable-care-act
The California Department of Insurance explains the changes:
http://www.insurance.ca.gov/0100-consumers/0020-health-related/0025-reform/

To shop for coverage in California and compare rates/coverage, visit: http://www.coveredca.com/

This cost estimator allows you to input the number of family members and income to determine your rates and any available credits available from the federal government: http://www.coveredca.com/calculating_the_cost.html

Some highlights of the Affordable Care Act:

• Health insurance companies cannot deny coverage based on a pre-existing condition or charge a higher premium because of health, gender, occupation, employer size or industry.
• Insurance companies may only vary premiums based on age, tobacco use, family size, and geography.
• No annual limits and no lifetime limits on essential health benefits.
• Children may stay on their parents’ health insurance policy until age 26, as long as the policy offers dependent coverage.
• No charge for preventive care such as mammograms, vaccinations, well-child care, contraception and many health screenings
Stay tuned, as the Act’s provisions are subject to change…

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