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plans that comply with the law.
What other parts of the law are now in place?
I get my health coverage at work, and want to keep my current plan. Will I be able to do that? How will my plan be affected by the health law?
What if I make too much money for Medicaid but still can't afford to buy insurance?
These premium subsidies will be available for individuals and families with incomes between 100 percent and 400 percent of the poverty level, or about $11,490 to $45,960 for individuals and $23,550 to $94,200 for a family of four (based on current guidelines).
Some existing plans, if they haven't changed significantly since passage of the law, don't have to abide by certain parts of the law. For example, these grandfathered plans can still charge beneficiaries part of the cost of preventive services.
The law has already made several changes to employer sponsored insurance. For example, plans generally now ban lifetime coverage limits and include a guarantee that an adult child up to age 26 can stay on his or her parents' health plan. More than 3 million young adults have been able to stay on their parents' plan because of this provision, according to administration figures.
but I can't afford it. What will I do?
Central provisions of the Affordable Care Act have kicked in, allowing many uninsured Americans to afford health insurance.
The law has already altered the health care industry and established a number of consumer benefits. It will have sweeping ramifications for consumers, state officials, employers and health care providers, including hospitals and doctors. 1 rollout of the health law's online marketplaces, or exchanges. The problems frustrated potential enrollees and gave Republicans new fodder for their argument that the law was doomed to fail.
After hundreds of hardware and software fixes, federal officials have said the site works for the "vast majority of users," but some problems remain.
I don't have health insurance. Under the law, will I have to buy it, and what happens if I don't?
The Supreme Court, however, ruled in June 2012 that states can't be forced to make that change. As of last month, 25 states and the District of Columbia have chosen to expand Medicaid.
Depending on your income, you might be eligible for Medicaid. Before the health law, in most states, nonelderly adults without minor children didn't qualify for Medicaid. But now, the federal government is offering to pay the cost of an expansion in the programs so that anyone with an income at or lower than 138 percent of the federal poverty level, (about $16,000 for an individual or $32,500 for a family of four based on current guidelines) Handbags Lv Price will be eligible for Medicaid.
If you're in one of these plans and your employer makes significant changes, such as raising your out of pocket costs, the plan would lose its grandfathered status and have to abide by all aspects of the health law.
For individuals, the penalty would start at $95 or up to 1 percent of income, whichever is greater, and rise to $695, or 2.5 percent of income, by 2016.
Health plans can't cancel your coverage once you get sick a practice known as Iphone 7 Plus Louis Vuitton Case
You have until March 31 to enroll in health insurance before you're subject to the law's tax penalty for not having coverage.
For families, this year, the penalty is $285 or 1 percent of household income. That will grow in 2016 to $2,085 or 2.5 percent of income, whichever is greater.
The law earlier barred insurers from denying coverage to children with pre existing conditions.
You're likely to be eligible for some preventive services such as breast cancer screenings and cholesterol tests, with no out of pocket costs.
Insurers have to provide rebates to consumers if the companies spend less than 80 to 85 percent of premium dollars on medical care.
Explaining the Affordable Care Act
Last month, the administration decided to waive the individual mandate penalty for 2014 for some people in the individual insurance market whose plans were being canceled. Under the law's "hardship exemption," these consumers are also eligible to buy "catastrophic" coverage policies, which have lower premiums and higher deductibles than other Louis Vuitton Gm Bag
Starting Jan. 1, insurers won't be allowed to deny you coverage based on a pre existing medical condition or place annual limits on medical coverage of essential health benefits, which include prescription drugs and hospitalization.
If you get insurance through your job, it's likely to stay that way. But just as before the law was passed, your employer isn't obligated to keep your current plan and may change premiums, deductibles, co pays and network coverage.
Here's a primer on where the law stands and how it might change.
The requirement to have coverage can be waived for several reasons, including financial hardship or religious beliefs.
But the landmark law still faces heavy opposition from Republicans and from a public that remains skeptical the law can improve health care coverage while lowering its cost.
"rescission" unless you committed fraud when you applied for coverage.
You might be eligible for government subsidies to help you pay for private insurance sold in the state based insurance marketplaces, also called exchanges.
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