Get Ready For Health Care Reform
Big changes are taking place in health care
Under the new law, mostly everyone who lives in the United States must have a health plan.
You can enroll starting October 1, 2013. Coverage begins January 1, 2014 and by March 31, 2014, everyone must have health insurance coverage, or you will have to pay a new tax.
The Health Insurance Marketplace is a new way for you to buy health insurance. In the Marketplace, there are 4 categories of health insurance - new “metal levels”: Bronze, Silver, Gold or Platinum. These metal level plans are based on how you expect to share the costs of care. All metal level plans include the same set of essential health benefits (EHBs).
- The category you choose affects how much your premium costs each month and what portion of the bill you pay for things like hospital visits or prescription medications. It also affects your total out-of-pocket costs.
- Plans in all categories offer the same set of 10 essential health benefits and the categories do not reflect the quality of care the plans provide.
- When choosing your health insurance plan, keep this general rule of thumb in mind: the lower the premium, the higher the out-of-pocket costs when you need care; the higher the premium, the lower the out-of-pocket costs when you need care.
- Think about the health care needs of your household when considering which Marketplace insurance plan to buy. Are you likely to need a lot of care? Or a little?
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