10 things consumers should know about reforming health care

10 things consumers should know about reforming health care -

Everyone seems to have an opinion on the recent decision of the Supreme Court upholding most of the health reform law. But - are all informed opinion? Whatever your views on the decision, these ten things are made quite simple. Put them in your pocket so you can dominate the conversation the next time someone wants to launch a friendly debate.

1. By 2014, all consumers are not covered by their workplace must buy health insurance or will face a penalty / tax for not buying it.

2. The Supreme Court ruled that the individual mandate is constitutional and is officially considering a "tax".

3. In 2014, the health insurance exchanges will be created across the country to help people buy online coverage and provide subsidies to those who qualify.

4. From 2014, individuals will not be denied health insurance coverage because of preexisting conditions.

5. Young adults can stay on the health insurance plan of their parents until they turn 26. This has been in effect since the law originally adopted in 2010.

6. There will be more mandated benefits in health insurance plans. For example, some states may adopt laws that require all plans to have maternity coverage for men and women.

7. Preventive care is now provided without a co-payment at the time of the visit. Just to be clear, preventive care is not "free" - you pay for it as part of your premium. He just will never be an additional copayment.

8. Some states expand Medicaid coverage and eligibility 2014. For more on the expansion of Medicaid, read this recent blog post.

9. More money is spent on medical care. reform of health care adopted a report medical loss (MLR), which requires health insurance companies to pay 80 to 85 percent of premiums on medical care.

10. Health insurers must justify significant rate increases on their websites and to inform consumers of rate hikes.

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