En español | In March 2010, Congress enacted the Affordable Care Act, which is a health care law that brings a number of benefits to all Americans, including people age 50 and older. Many provisions are now in place. Others are being phased in over several years.
- Children can’t be denied health insurance because of a preexisting condition.
- Young adults up to age 26 can remain on their family’s health insurance plan.
- Health insurance plans must cover more preventive services.
- Health insurance companies can no longer drop your coverage just because you get sick.
- Medicare covers more wellness and preventive care.
- Coverage through the Health Insurance Marketplace begins.
- Premium subsidies are available for those with limited incomes who purchase health insurance through the marketplace.
- More people who have a limited income are able to apply for Medicaid.
- Insurance companies can’t put annual dollar limits on health coverage.
- Insurance companies can no longer deny anyone health coverage because of a preexisting condition.
- People with Medicare get discounts of 55 percent on brand-name prescription drugs and 35 percent on generic prescription drugs while in the doughnut hole.
- Medicare Part D doughnut hole is completely closed.
It’s time to learn more about the health care law. Go to www.HealthLawAnswers.org
Updated August 2014