Healthcare Reform

How does the health reform law make it easier to get health insurance?

A Answers (2)

  • There are several ways the health care reform law helps make it easier to get health insurance.

    • People who were previously denied insurance coverage due to a pre-existing condition may now qualify for coverage.
    • Medicaid eligibility is expanded to include individuals and families with incomes up to 133% of the poverty level.
    • Health insurance marketplaces (health exchanges) are being created in each state to provide a marketplace where individuals and small businesses can buy insurance (with a government subsidy if they are eligible).
    • Small businesses that provide health insurance coverage to their employees may receive a tax credit.

    A big change to how people get health insurance will occur in October 2013, when people can begin to purchase and enroll in health plans offered through the health insurance marketplaces, for benefits effective January 1, 2014. The federal and state governments are setting up marketplaces in the states to offer a choice of health plans, with common rules and information to help consumers better understand the options available to them.

    To learn more about health care reform, go to or

    This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.

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  • A answered

    The new health care law makes it easier to obtain health insurance in the following ways:


    The new law creates health insurance exchanges for those who can’t get coverage through their job. Exchanges will be set up in every state to provide “one stop shopping” so it will be easier to compare plans and prices. If you are eligible for insurance through an exchange and do not purchase it, you will be subject to a penalty. Exchanges start offering insurance in 2014.


    All health plans in the exchanges must cover a range of benefits. These include medical, mental health, prescription drugs, and rehabilitative services. You will be able to pick among four levels of coverage to fit your needs.


    If you have been uninsured for six months and have a pre-existing condition, you may be able to get coverage. This coverage — also known as “high risk pools” — should be available in your state by late 2010. It will continue until the exchanges start in 2014.
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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.
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