En español l There’s a lot to learn about the health care law. Hispanics have a new and easier way to get insurance with new benefits and protections. By understanding what’s in the law, you can make better health care choices for you and your family.
It’s easier to get health insurance
- There’s a new way to shop for health insurance. If you don’t have insurance, are a small business owner or are self-employed, you can find a plan that works for you in the Health Insurance Marketplace in your state. Help is available every step of the way. You can get your questions answered about finding a plan or completing the application in person, by phone or online.
- The Health Insurance Marketplace makes it easier to shop for health plans. All plans are listed in one place, so you can make apples-to-apples comparisons of benefits and prices.
- All plans must cover the essentials. All plans offered in the marketplace are required to cover important benefits, such as doctor visits, emergency care, hospital care, prescription drugs, preventive care and more.
- Everyone needs coverage. Starting in 2014, you’ll be required to have health coverage. If you don’t, you may have to pay a penalty. There are some exceptions, including people with a very low income.
Financial help is available
- There’s financial help to pay for health insurance. Many people who buy their plan in the marketplace can get help covering the costs. Low-cost or free plans are also available, depending on your income.
Insurance plans are improved
- Young adults can stay on their parents’ family plan. If you have children, they can stay on your family health insurance plan until they turn 26. Even if your child is in school, living away from home or married, as long as they are under age 26, they can stay covered.
- Your coverage is protected. Insurance companies can no longer deny you coverage, even if you have a preexisting condition such as diabetes, high blood pressure or cancer. If you or a family member gets sick or injured, health insurance companies can’t cut off your coverage or cancel your plan.
- Your plan can’t put dollar limits on your care. In the past, health plans could place dollar limits on the care they would cover in a year or over your lifetime. Now, there are no more dollar limits on your care, so if you get sick or injured, you’re protected.
- Get more preventive care. Diabetes and cholesterol screenings, prostate exams, mammograms and even flu shots are all covered. So you can catch little things before they turn into bigger problems.
- The law strengthens Medicare. Wellness visits and more preventive care are now covered at no cost to you.
- Prescription drug costs are lower. If you have Medicare Part D, and reach the coverage gap, you get a discount of more than 50 percent on brand-name drugs or more than 20 percent on generic prescription drugs. How much you’ll pay out of pocket for each drug may vary depending on your Part D plan. The discounts will gradually increase until the coverage gap disappears in 2020.
Health disparities are reduced
The law works to eliminate the health disparities that Hispanics currently face. For example:
- Funds research about health disparities
- Promotes the racial and ethnic diversity of health care professionals
- Invests in primary care professionals so more Americans have access to primary care
- Expands community health programs to help manage chronic conditions such as diabetes
Updated August 2013