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What the Health Care Law Means for People With Moderate Income

En español l The health care law helps people with moderate income by providing new options for getting health coverage. If you don’t have insurance, there’s a new way to get health insurance for you and your family through the Health Insurance Marketplace. Financial help may also be available depending on your income.

  • If you need health insurance because your employer doesn’t make it available, you are self-employed or not working, or you have been denied coverage, you can shop in the Health Insurance Marketplace in your state.
  • In the marketplace, you’ll be able to compare the benefits and costs of health plans side-by-side.
  • Depending on your income, you may be able to get financial help to cover some of the cost for health insurance you buy in the marketplace.  
  • People shopping in the marketplace will be able to pick among several levels of health coverage. This will allow you to find a plan that works best for you and your budget.
  • Health insurance plans in the marketplace must cover essential benefits, including hospitalization, medical care, mental health services, prescription drugs and rehabilitation services, among other benefits.
  • Plans cannot refuse to sell you a policy because of your health status and must comply with many new consumer protections.
  • You’ll also be able to get insurance outside the marketplace regardless of your health status, but you won’t be able to get financial help there.
  • Health insurance plans can no longer put lifetime or annual dollar limits on the covered benefits you receive.
  • All health insurance plans must cover more preventive services.

It’s time to learn more about the health care law. Go to

Updated February 2014

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