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  The Minority/ Black Health Blog  

Monday, September 2, 2013

Thanks To Obamacare, Pre-Existing Health Conditions Will Not Affect Your Health Insurance Starting in 2014

Pre-Existing Conditions Will Be Covered in Obamacare

Beginning in 2014, all Americans will be required to have health insurance coverage. For those who do not have health insurance, affordable plans will be offered. That's good news. Here's more good news:

#1 - Health insurance providers can no longer refuse to cover your health care costs due to a pre-existing condition.

#2 - Health insurance providers can't make you pay more because of a medical condition you had before receiving health insurance.

#3 - Health insurance providers will no longer be able to drop people’s coverage when they get sick.

Programs already in effect

Since March, 2010, early retirees have been able to participate in the Early Retiree Reinsurance Program and the Pre-existing Condition Insurance Plan (PCIP) program. This program is for people with pre-existing conditions, who have not had insurance for 6 months or more, and who need health coverage after retiring. This program will continue to be available through the end of 2013. Beginning in 2014, enrollees will switch to health insurance exchange programs.

When to apply

Others may apply for health insurance beginning on October 1, 2013. This allows families to become familiar with available plans and find one that fits their needs and budget. The health insurance coverage will take effect on January 1, 2014.

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