Under the Affordable Care Act, no American can be denied coverage, charged a higher monthly premium, or sold a policy that excludes coverage of important health services just because he or she has a pre-existing condition. This is called pre-existing condition discrimination, and without the provisions in the Affordable Care Act that prohibit this, a lot of Americans would be affected.
Shows how many people will be able to get affordable, comprehensive insurance through the new health insurance marketplaces and how many people the Affordable Care Act has helped so far.
Explains that some low-income families may not be able to afford health coverage in the health insurance marketplaces until CHIP premiums are reduced or eliminated.
To find out if you may be eligible to receive help paying for health insurance premiums, answer these questions for each person in your family.
Low- and Middle-Income Americans Will Receive Tax Credits to Help Pay for Health Insurance. Starting in 2014, Americans earning up to four times the federal poverty level (currently $47,100 for an individual and $94,200 for a family of four*) will be eligible for premium tax credits to help them buy health coverage in insurance marketplaces (also known as “exchanges”).
Estimates that more than 25.7 million Americans will get help paying for health coverage in the health insurance marketplaces .
How many people will be eligible for a health insurance premium tax credit?
It has always seemed backward that those who need insurance the most—people who are already sick—are turned down for coverage or forced to pay higher premiums. Thanks to the new health law, insurers will no longer be able to discriminate against people with pre-existing conditions by charging them higher premiums or denying them coverage. A recent Families USA report, Worry No More: Americans with Pre-Existing Conditions Are Protected by the Health Care Law, shows just how many people across the nation stand to gain from this portion of the health law.
Find out how many Americans with pre-existing conditions will benefit from the Affordable Care Act's protections against being denied health insurance.
Do you have a pre-existing condition? Do you know someone that does? I bet you do-64.8 million Americans under the age of 64 have been diagnosed with a pre-existing condition. Whether it's diabetes, or cancer-all of these conditions and more are considered "pre-existing" by insurance companies and are grounds for charging higher premiums, excluding coverage for your condition, or downright denying you health coverage.