Bridging off of the last Obamacare blog that I did, here are some more points that you should know:
-There will be health insurance exchanges that are available online (similar to choosing which policy now). Patients can choose low cost or free healthcare and can also go with a higher priced plan through private insurance.
The nice part about this is that it will be very easy to look at and compare plans. They will be ranked by cost and coverage. All plans will also need to cover a minimum set by the federal government. So preventative and primary care, emergency care, hospitalization, physician services and outpatient care should be covered.
– There will be an end to lifetime maximum of benefits as well.
– The people that will see the largest benefit are those that earn less than 400% below the poverty line.
-Subsidies will also be available and will be tied to a percentage of what a person makes. The way that they will work, however, is they will be tax exchanges. These are paid directly to the health insurance company and not the patient.
-Employers with over 50 employees will be required to offer health insurance for the employees and their dependents under the age of 26.
All of this is going to go into effect on January 1, 2014. Of course, many changes can happen between now and then; however, this is the current way that it’s looking. In the next blog, I’ll cover some of the penalties if you opt not to have coverage. If you have any questions, feel free to post them on Facebook or email us directly at info@ahchiro.me.