Content Overview 
- Summary
- Premium And Cost-Sharing Subsidies For Individuals
- Temporary High-Risk Pools (PCIP)
- Health Insurance Requirement (And Tax Penalty For Not Obtaining Health Insurance)
- Exchanges
- Protections Concerning Health Insurance Policies
- Tax Advantaged Savings Accounts
- Taxes
- Medicare
- Medicaid
- Children's Health Insurance Program (CHIP)
- Small Businesses Encouraged To Offer Employees Health Plans
- Sale of Health Insurance Across State Lines
- Home Care Insurance (the CLASS program)
- Skilled Nursing Facilities: Disclosure
- Wellness Programs At Work
- Nutritional Information: Chain Restaurants, Vending Machines
- Medical Professionals Training And Recruitment
- Clinical Trials
- Penalty For Not Having Health Insurance
The Affordable Care Act (Obamacare): If You Do Not Have Health insurance (Uninsu
Summary
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FOR ADDITIONAL INFORMATION ABOUT THE FOLLOWING SUBJECTS, SEE THE OTHER SECTIONS OF THIS DOCUMENT
On Your Own:
- Starting September, 2010:
- You will be able to purchase health insurance through high risk pools despite a pre-existing health condition if:
- You have not had health insurance for 6 months prior to the date on which you apply for coverage through the high risk pool AND
- You do not qualify for insurance because of a pre-existing medical condition AND
- You are a U.S. citizen or a legal immigrant.
- Maximum out-of-pocket cost is $5,950 for individuals and $11,900 for families.
- The pools exist until 2014 when you can purchase insurance through an Exchange. People with income up to a maximum of 4 times the Federal Poverty Level will get subsidies on a sliding scale.
- Children with pre-existing health conditions will be able to get health coverage..
- You will be able to purchase health insurance through high risk pools despite a pre-existing health condition if:
- Starting in 2014, most of us will be required to have health insurance.
- If you do not, you will have to pay a penalty. The amount of the penalty increases until 2016. After that the penalty is indexed for inflation.
- Insurers cannot deny coverage based on pre-existing conditions, but they are not required to pay for treating a pre-existing condition for the first 90 days.
- Patient costs relating to clinical trials must be covered.
Through Medicaid:
- Starting in 2014, you will be eligible for a revised version of Medicaid without regard to your health condition if your income is below 133% of the federal poverty level (FPL).
- More doctors will be encouraged to accept Medicaid because Medicaid reimbursements for primary care services will increase to match Medicare payments for these services.
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