Do you have questions about how health insurance reform impacts Pre-Existing Condition Coverage? I know I do. When the health insurance reform bill passed friends and I nearly weeped with relief, knowing that our children with chronic illnesses would more easily have access to health insurance. For many of our children access to health insurance is no less than a matter of life and death. But as many things implemented on such a large scale, the details aren’t always obvious or easy to understand. So I thought I’d share this blog post from a blog that I respect. It’s detailed and dense, but I think it’s worth the read so we can plan and advocate for our families and our children
Click here to read Implementing Health Reform: Pre-Existing Condition Coverage by Timothy Jost in the Health Affairs blog.
As of January 1, 2014, every American will have access to health insurance without regard to health status or pre-existing conditions. Those whose household incomes fall below 400 percent of the federal poverty level will receive tax credits to help cover their premiums and subsidies to reduce their cost sharing. Those with household incomes below 133 percent of poverty will qualify for Medicaid. But 2014 is still far away for many Americans who are unable to find or to afford health insurance because pre-existing conditions make them uninsurable or insurable at only very high rates…..
