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The court's decision to uphold all but one component of the health-care law means new rules for insurers that have already taken effect will remain in place. Beginning in 2014, virtually all Americans will have to obtain health insurance or pay a penalty. There also will be new opportunities to get coverage, including state-based marketplaces known as exchanges* (through which individuals will be able to purchase private plans that meet strict benchmarks for quality) and federal subsidies to help low-income people buy plans on the exchanges. The law will also expand the eligibility rules for Medicaid, but the Court found that states can not be penalized if they decline to comply with the expansion, raising questions as to how effectively the federal government will be able to implement it.
Answer the questions below to see how your coverage might be affected.
Right now:Your insurer cannot set a lifetime limit on benefit payouts. Any annual limits will be phased out by 2014.
Your insurer cannot cancel your plan after you get sick based on a technicality, or discriminate against your children if they have a pre-existing condition.
You may also be entitled to coverage of preventive services without out-of-pocket charges.
If you are an adult under age 26, and one or both of your parents have a health plan, they may be able to put you on it. If you have adult children you can probably keep them on your plan until they are 26.
Starting in 2014:You will have the option of buying a health plan through your state’s exchange. Based on your income, you probably would not qualify for federal assistance to offset the cost of that plan.
Insurers cannot discriminate against you for having a pre-existing condition, and can only vary rates within a narrow range.