Alert
Close

Top the Trizzle leaderboard by 5 p.m. Friday to win a $100 gift card! Learn more

HIGHLIGHTS

Open

learning centers

Get smart strategies for managing health conditions.


Arthritis

Heart Disease

Diabetes

Most Popular

Viewed

If You're Uninsured or Buying Your Own Insurance

If You're Uninsured or Buying Your Own Insurance
If You're Uninsured or Buying Your Own Insurance

If you are self-employed or working in a small business, buying insurance for yourself and your family—or have no insurance at all—you are among those that the new law helps the most. Millions of Americans currently pay the highest rates for health coverage because they buy it on their own. Others—especially those ages 50 to 64—can’t buy coverage at any price because they have preexisting medical conditions. Making private insurance more accessible and fairer for consumers is a central goal of the new law.

Immediate help: If you have a preexisting condition and have been uninsured at least six months, you’ll be eligible to buy coverage through a temporary high-risk program—which limits what you’ll be charged for out-of-pocket costs—that starts in July and ends when insurance exchanges become available in 2014.

Immediate coverage protections: Insurers can no longer drop your coverage if you’ve paid your premiums. Health plans can’t limit what they will spend on your care during your lifetime. Starting in 2014, they can’t place limits on your annual health costs either. Plans must justify steep price hikes.

Preexisting conditions: Starting in September, children cannot be denied coverage because of a preexisting condition. Adults receive the same protection in 2014.

Coverage for adult children: If your company offers a family coverage plan, unmarried children can be covered under your policy until they reach age 26. This change begins in the fall, but you should consult your insurer to find out which month it takes effect for your plan.

Health plan choices: Starting in 2014, you can select a private health plan from a menu of choices offered through an insurance exchange run by your state. And your yearly out-of-pocket expenses will be limited.

Enrollment and premium protections: Health plans cannot deny you coverage or make you pay more for your insurance because of your health, past medical problems or gender, starting in 2014. But they can raise premiums by up to 50 percent for people who smoke.

Free preventive care: Health plans you buy on your own must cover certain preventive services, screenings and vaccinations free of charge. This requirement starts as soon as your current plan’s next coverage year begins or when you join a new plan.

Age rating: Starting in 2014, insurers can charge older people no more than three times the amount they charge younger adults. Currently, insurers can charge older people up to 10 times what they charge younger people.

Other Insurance Situations

 

More Insights About the New Health Care Law

 

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts

Processing

Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Woman trying on glasses in optometrists shop

Members save up to 60% off eye exams and 30% off eyeglasses at Pearle Vision.

Prescription medication spilling out of bottle

Members get a free Rx card from AARP® Prescription Discounts provided by Catamaran.

AARP/Walgreens Wellness Bus Stops in Clarksdale, MS

Members can get exclusive points offers from Walgreens and Duane Reade.

Caregiving walking

Caregiving can be a lonely journey, but AARP offers resources that can help.