Health insurers can no longer raise your premiums, refuse to cover you or drop you from your plan because you have cancer, asthma, diabetes, arthritis – – – or any other medical condition. You will be able to get health insurance coverage regardless of any pre-existing conditions.
Coverage will Include Preventive Care
Diabetes and cholesterol screenings, mammograms and immunizations are all covered. This means you can catch the little things before they turn into bigger problems. Your coverage will also include services like flu shots, and smoking cessation and diet counseling to make staying healthy a lot easier.
Lifetime Dollar Limits are Gone
In the past, health insurers could set a limit on how much your plan would pay over a specified period of time. If you had a bad year or an expensive illness, your coverage might run out. This dollar limit will be fully phased out.
Many people will qualify for a tax credit or a subsidy if they purchase coverage through the Federal Health Insurance Marketplace. Not everyone will qualify for this help, but if your earnings are below a certain level and you don’t have access to other affordable coverage through an employer-sponsored plan or state assisted plan like Medicaid, you may qualify for this financial assistance.