For those of us not lucky enough to be insured by our employers, having to face the daunting task of navigating the private insurance market can cause heart palpitations. The current insurance market is confusing and overwhelming; there is no one state or federal entity that regulates all markets nor is there much regulation on what information insurers must provide to consumers. Therefore it is often difficult for consumers to know what exactly they are getting under each plan, until it's too late.
Many opponents said that the passed health reform legislation amounted to a "federal government takeover" of health care. That, like many of the myths we've heard for the past year, is false.
Most of the implementation work is now up to the states. According to Cindy Mann of the Center for Medicaid and State Operations, "We're very clear we have to pass the baton to states."
The web portal Is up and running!
Today, July 1, you can visit HealthCare.gov for the first time ever and view all the health coverage options that are available to you! Never before have consumers been able to view their coverage options in one place, until today. Thanks to health reform, the Department of Health and Human Services (HHS) has launched a new web site to provide consumers with their health coverage options in a comprehensive and easy-to-navigate way.
Imagine if one out of every three of your friends did not have access to health care coverage. Or almost half of them were not able to regularly see a primary care physician. Sadly, this is the unfortunate reality in many Latino communities.
One of the most important features of the Affordable Care Act is the development of new insurance marketplaces called “exchanges.” The purpose of these exchanges is to give individuals and small businesses a one-stop shop to explore their coverage options with the help of easy-to-understand information on all their options. The exchanges will help both low-and middle-income people find coverage that is more affordable.
On April 12, 2006, Mitt Romney signed the Massachusetts Health Insurance Reform into law. In doing so, he proudly stated that the new law would expand health insurance coverage and consumer protections to people across the state. Less than a year later, he touted “RomneyCare” as a model for nation-wide replication.
This is a consumer guest blog from Casey Quinlan.
The next couple of months are going to be pretty busy for Congress as they work to reach a budget resolution and avert a government shutdown. Like a broken record, opponents of health care are pushing to cut vital programs—like Medicaid, Medicare, and the Affordable Care Act—in order to reduce spending, while still trying to ignore the option of increasing revenues.
You may know that the Affordable Care Act creates new health insurance marketplaces (often referred to as exchanges) that will make it easier to shop for coverage. But did you know that the new marketplaces will also protect you once you have insurance?
The Affordable Care Act sets standards that all insurance plans sold in the new marketplaces must meet. These standards require that:
Families USA and the National Health Law Program worked together to develop a checklist to help advocates ensure that their states implement health insurance exchanges that meet the needs of people with limited proficiency in English.