It is no secret that the conditions before a large number of Americans without health insurance to represent. These are people who receive affordable health insurance can not stand because of some kind of health problems in context. Diseases such as hypertension, high cholesterol, diabetes, cancer, obesity, heart attack and stroke are just a few. It is very sad, but a family will be financially destroyed by a medical emergency, unless they have a quality health insurance.
All this will change with the adoption of the new law to protect patient care and affordable. One of the most important elements is the elimination of requirements for the existing state of health plans currently being introduced.
Children will be the first to achieve affordable coverage. In September 2010, the insurer is no longer able, children from a family in politics, as to exclude pre-existing conditions. This applies to new policies and for families who already have health insurance.
Until now, the good news. It seems that adults wait until 2014 for their health care until the new exclusion protection of children have honor.
However, there is a glimmer of hope. In the next 3 1 / 2 years, adults with underlying medical conditions, the exemption in a new federal backup plan called Plan B .
So, Plan B will to work.
Currently, 35 states have hedge funds, some of which are still open to new members. Ask to see from your insurance agency in your state if your state has a pool. But remember, these existing pools are not insurance pools should be established under the new law as Plan B.
Member States are required when you begin to or continue to want to ask a number of risks to their condition are available. If your state is not currently or have no intention of creating a hedge fund ... no problem. to create the Department of Health and Human Services and administer a fund for your state.
So from mid-2010, provided temporary backup plan for uninsured persons through existing health problems (especially without a number of risks in your state or not able to get coverage in the pool of the State). This new plan is the establishment of a fund for short-term national health insurance in jeopardy. Any U.S. citizens or legal immigrants with health problems is long and has no insurance for at least six months, they can register in this high risk pool.
This group of federal health insurance is much cheaper than the current state of hedge funds, but some people still have a bonus of 125% of the cost of health insurance for a healthy person. For years, the maximum contribution of the direct expenses for the members not more than $ 5,950 for individuals or $ 11.900 for his family. Premium subsidies can be made available.
This group of federal health insurance will be continued until 2013. Then in 2014, was dissolved when the health insurance companies are required to establish health insurance for all, regardless of their health.