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What will health reform do for you? Choose your health insurance status to find out what health reform will do for you.

In 2010

Your children won't be denied care for pre-existing conditions - In September 2010, all insurance plans will be unable to deny care to children because of pre-existing conditions. Click here for more information on young people and health reform.

Your insurance will be regulated to make it better - In September 2010, your insurance company will no longer be able to cancel your plan because you get sick or put a lifetime benefit limit on your coverage. Annual benefit limits on coverage will be tightly regulated as well.

If you work for a small business, your insurance will be more secure - In September 2010, small businesses with 25 or fewer employees will be able to deduct up to 35% of their health care premium costs from their taxes, making the cost of coverage cheaper.
In 2011

Insurance transparency will make your insurance better - Beginning January 2011, all insurance plans will have to report how much of your premiums they spend on care and provide you rebates if they spend too much on profits.
In 2014

If you keep your insurance, it will get better - If you like your insurance plan, you can keep it, but in January 2014, regulations will take effect to make your insurance better. All insurance policies will have to offer you coverage regardless of whether you have a pre-existing condition or charge you more because you get sick. They won't be able to put lifetime or annual caps on your benefits and your out-of-pocket costs will be limited.

If you work for a small business, you may be able to get new insurance through your state's exchange - In January 2014, if you work for a business of 100 employees or fewer, your boss can choose to offer you insurance through your state's exchange or a special small business exchange. Or, if you qualify, you'll be able to take the amount your boss pays for your insurance and use it instead to choose a plan on your own in the exchange.

Your insurance will cover your needs - All insurance policies will have to offer at least a standard comprehensive benefit package - including free preventative care - that's equivalent to what the largest employers offer their employees. Any policy will have to offer you coverage regardless of whether you have a pre-existing condition, and insurers won't be able to charge you more if you're sick or a woman. They won't be able to put lifetime or annual caps on your benefits, your out-of-pocket costs will be limited, and they won't be able to jack up your rates with impunity.

You can get tax credits to help you afford insurance - In the exchange, you'll be able to compare insurance policies apples-to-apples so you know exactly what you're buying. And you'll receive a tax credit from the government to help you afford insurance. The amount of your tax credit depends on your income and family size, among other things. Click here to calculate the subsidy you'll receive.

Your insurance will be more secure - In January 2014, small businesses with 25 or fewer employees will be able to deduct up to 50% of their health care premium costs (depending on average wages) from their taxes, making the cost of coverage cheaper. And large businesses will be required to provide insurance for you and your family and pay a decent percentage of that coverage.
In 2010

Your insurance will be regulated to make it better - In September 2010, your insurance company will no longer be able to cancel your plan because you get sick or put a lifetime benefit limit on your coverage. Annual benefit limits on coverage will be tightly regulated as well.

You will receive free preventative care - In September 2010, your insurance company will have to offer you "first-dollar" coverage of preventative care, which means they have to pay for it even if you haven't paid your full deductible.

Your children won't be denied care for pre-existing conditions - In September 2010, all insurance plans will be unable to deny care to children because of pre-existing conditions. Click here for more information on young people and health reform.
In 2011

Insurance transparency will make your insurance better - Beginning January 2011, all insurance plans will have to report how much of your premiums they spend on care and provide you rebates if they spend too much on profits.
In 2014

You will be required to carry affordable insurance - If you like your insurance plan, you can keep it, but in January 2014, you will be eligible to purchase insurance in your state's health insurance exchange, too. You can either buy it in the open market (like insurance is sold today but with greater regulation) or through your state's health insurance exchange, a purchasing pool where subsidies are offered to make insurance affordable.

Your insurance will be regulated to make it better - All insurance policies will have to offer at least a standard comprehensive benefit package - including free preventative care - that's equivalent to what the largest employers offer their employees. Any policy will have to offer you coverage regardless of whether you have a pre-existing condition, and insurers won't be able to charge you more if you're sick or a woman. They won't be able to put lifetime or annual caps on your benefits, your out-of-pocket costs will be limited, and they won't be able to jack up your rates with impunity.

You can get tax credits to help you afford insurance - In the exchange, you'll be able to compare insurance policies apples-to-apples so you know exactly what you're buying. And you'll receive a tax credit from the government to help you afford insurance. The amount of your tax credit depends on your income and family size, among other things. Click here to calculate the subsidy you'll receive.
In 2010

You will get $250 if your prescription drug expenses reach the "donut hole" - All Medicare Part D enrollees who enter the "donut hole" will get a $250 rebate check in 2010 towards filling that coverage gap.
In 2011

You will get a 50% discount on all brand-name and biologic drugs in the "donut hole" - All Medicare Part D enrollees who enter the "donut hole" will get 50% off in 2011, with the amount increasing every year to completely phase out the donut hole by 2020.

You will get free preventative care - Starting in 2011, Medicare enrollees will get a free annual wellness visit, personalized prevention services, and eliminated cost-sharing for preventative care.

Your payments will go farther - Overpayments to insurance companies to support their profits through the Medicare Advantage program will be frozen starting in 2011 and phased down in subsequent years, which means your payments will go farther towards your care and not towards insurance company profits.

In 2013

Your doctors will be encouraged to work together - Doctors serving Medicare patients will be encouraged to work together and coordinate your care, meaning they will no longer make more money by giving you unnecessary services simply to increase their fees.
In 2010

Your insurance will get cheaper - In September 2010, small businesses with 25 or fewer employees will be able to deduct up to 35% of their health care costs from their taxes, making the cost of coverage much cheaper.

Your insurance will be regulated to make it better - In September 2010, your insurance company will no longer be able to cancel plans because employees get sick or put a lifetime benefit limit on their coverage. Annual benefit limits on coverage will be tightly regulated as well, making insurance better for your employees.
In 2014

Your insurance will get even cheaper - In January 2014, small businesses with 25 or fewer employees will be able to deduct up to 50% of their health care costs (depending on average wages) from their taxes, further decreasing the cost of insurance.

If you keep your insurance plan, it will get better - If you like your insurance plan, you can keep it, but in January 2014, regulations will take effect to make your insurance better. Insurance policies will have to offer coverage regardless of whether employees have a pre-existing condition, and they won't be able to charge more if they're sick or a woman. They won't be able to put lifetime or annual caps on benefits and out-of-pocket costs will be limited.

If you decide to change your insurance plan, you'll have many more affordable options - In January 2014, if you run business of 100 employees or fewer, you can choose to offer your employees insurance through your state's exchange or a special small business exchange.

Your insurance will cover employee needs - All insurance policies will have to offer at least a standard comprehensive benefit package - including free preventative care - that's equivalent to what the largest employers offer their employees. Any policy will have to offer you coverage regardless of whether you have a pre-existing condition, and insurers won't be able to charge you more if you're sick or a woman. They won't be able to put lifetime or annual caps on your benefits, your out-of-pocket costs will be limited, and they won't be able to jack up your rates with impunity.

Employees can get tax credits to help you afford insurance - In the exchange, you'll be able to compare insurance policies apples-to-apples so you know exactly what you're buying. And employees will receive a tax credit from the government to help you afford insurance. The amount of the tax credit depends on income and family size, among other things. Click here to calculate the subsidy they'll receive.
In 2010

You will be able to stay on your parent's insurance plan - In September 2010, you will be able to stay on or go back on your parent's insurance plan until you are 26 years old if you don't have access to your own insurance through an employer.

You won't be denied care for pre-existing conditions - In September 2010, all insurance plans will be unable to deny care to children because of pre-existing conditions.

After you turn 26, the benefits described in the other tabs will apply to you depending on your status. Click here for more information on young people and health reform.
In 2010

If you've been denied insurance due to a pre-existing condition, you can get coverage - Beginning in June 2010, you may get coverage through a temporary reduced rate high-risk pool, which won't be able to deny you coverage due to pre-existing conditions.

You can still get Medicaid or CHIP if you qualify - State Medicaid programs will be required to continue existing coverage. Click here to estimate your eligibility for the current Medicaid program in your state.
In 2011

You will have more access to affordable care through community health centers - Money will be provided to expand current community health centers and create new ones, giving you access to new places for free or low-cost care.
In 2014

You will be eligible for affordable health care - In January 2014, you will be eligible for Medicaid, an insurance program run by the federal government and your state that will provide you with comprehensive care at little to no cost.

In 2010

If you've been denied insurance due to a pre-existing condition, you can get coverage - Beginning in June 2010, you may get coverage through a temporary reduced rate high-risk pool, which won't be able to deny you coverage due to pre-existing conditions.
In 2011

You will have more access to affordable care through community health centers - Money will be provided to expand current community health centers and create new ones, giving you access to new places for free or low-cost care.
In 2014

You will be required to purchase affordable insurance - You can either buy it in the open market (like insurance is sold today but with greater regulation) or through your state's health insurance exchange, a purchasing pool where subsidies are offered to make insurance affordable.

Your insurance will be regulated to make it better - All insurance policies will have to offer at least a standard comprehensive benefit package - including free preventative care - that's equivalent to what the largest employers offer their employees. Any policy will have to offer you coverage regardless of whether you have a pre-existing condition, and insurers won't be able to charge you more if you're sick or a woman. They won't be able to put lifetime or annual caps on your benefits, your out-of-pocket costs will be limited, and they won't be able to jack up your rates with impunity.

You can get tax credits to help you afford insurance - In the exchange, you'll be able to compare insurance policies apples-to-apples so you know exactly what you're buying. And you'll receive a tax credit from the government to help you afford insurance. The amount of your tax credit depends on your income and family size, among other things. Click here to calculate the subsidy you'll receive.

Click for an overview of what health reform will do.


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