January 1, 2014 will be here before you know it. It is on this date that many changes contained within the Affordable Care Act will take place. On this date some of the changes include:
- Pre-existing conditions will no longer affect someone’s ability to get health insurance,
- People who are sick will no longer live in fear of reaching their annual or lifetime maximum health insurance benefit limit;
- Individual insurance policies will be required to provide coverage for essential health benefits; and
- Almost all Americans will be required to have health insurance coverage
Are you ready for these changes? If you get your health insurance coverage through Medicare, the military (TRICARE or VA) or if you have coverage through your employer, there is not much for you to do at this point. But if you are covered by an individual policy or you are currently uninsured, now is the time to start getting ready.
A great resource for you is: www.healthcare.gov. This is the site where you will buy your health insurance coverage when open enrollment begins on October 1, 2013. There is information on this site today about what you can expect when open enrollment begins. Another great resource for information about the Affordable Care Act (Obamacare) is the Kaiser Family Foundation website: www.kff.org.
Whether or not you choose to buy health insurance, you need to understand how this choice will impact you. Start doing your homework today so you can make the most informed choice that is right for you.
The federal government has set up a toll-free number that you can call 24 hours a day to ask your questions. That number is 1-800-318-2596.