What does the Affordable Care Act say about health insurance?

Health insurance for all.

The Supreme Court’s decision to uphold the Affordable Care Act means middle class families will have the security of health insurance and protection from the worst insurance company abuses. This law was also specifically designed to give States the resources and flexibility they need to tailor their approach to their unique needs.
 
The Affordable Care Act includes numerous provisions to keep health care costs low, promote prevention and hold insurance companies accountable. If you’re one of the 8.5 million Michigan residents who already have health care – whether through private insurance, Medicare or Medicaid – the Affordable Care Act is already making your coverage more secure.

  • Insurance companies no longer have unchecked power to cancel your policy, deny your child coverage due to a pre-existing condition or charge women more than men.
  • Many Americans have gained from coverage of preventive care free of charge, like mammograms for women and wellness visits for seniors.
  • Some Americans will receive a rebate this summer because their insurance company spent too much of their premium dollars on administrative costs or CEO bonuses.
  • The law has already helped 5.3 million seniors and people with disabilities save an average of more than $600 on prescription drugs in the “donut hole” in Medicare coverage.
  • The law’s provisions to strengthen and protect Medicare by fighting fraud will continue.
  • The law has helped 6.6 million young adults who have been able to stay on their parents’ plans until the age of 26, including 3.1 million young people who are newly insured.

If you are one of the 1.3 Michigan citizens who don’t yet have health insurance, starting in 2014 this law will offer you an array of quality, affordable, private health insurance plans to choose from. If you need care, you will finally have the same opportunity to get quality, affordable coverage as everyone else. Learn more about health insurance options by visiting the U.S. Department of Health & Human Services HealthCare.gov website.  
 
A major impact of the Supreme Court’s decision is that people with pre-existing conditions will have the security of affordable health coverage. Starting in 2014, insurance companies can no longer charge you more, carve out benefits or deny coverage altogether because you have cancer or diabetes. To make these protections affordable, people with and without pre-existing conditions should be insured, since everyone at some time needs health care.

To read more about the White House viewpoint, see the fact sheet “The Affordable Care Act: Secure Health Coverage for the Middle Class.”

Michigan State University (MSU) Extension will be providing education about choosing health insurance plans beginning mid-2013.

Related Articles