Health care reform can be a very complex topic for all of us to understand. Florida Blue is here for you to help you gain more insight. Below are your top health care reform questions answered, to help you understand how the Affordable Care Act (ACA) will affect you.
What will happen to the amount I pay for health insurance?
As the new health care law takes effect, the amount you pay depends on:
- The type of health plan you decided to buy for you and your family.
- If you can get help from the government to pay for part of your health insurance. This help is called a subsidy.
- If you get insurance through your job, or if you buy an individual health plan for yourself or your family.
Will my health affect my health insurance coverage?
- You can buy one of the new health plans starting October 1, 2013, even if you are sick or have had health problems in the past.
- Everyone who applies for health insurance can get coverage.
- Once you have a health plan, your coverage cannot be canceled if you have a health problem.
- If you use tobacco, you’ll pay more for your health plan.
Will Florida Blue offer different health plans under the new law?
- Yes. Like today, we’ll offer lots of choices.
- The new plans will include all the benefits required by the new law.
- Wellness care – like routine physicals, vaccines, mammograms, etc. – will still be covered at no cost.
- You will be able to buy one of the new health plans starting Oct. 1, 2013, for coverage that begins in 2014
Does the new law make health care free?
- No. But if you qualify, you may get help from the government to pay for part of the cost of your health plan. This help is called a subsidy.
I have insurance through my job. How does the new law affect me?
It depends on the size of your company and if they will still offer health insurance.
- Companies with fewer than 50 full-time workers are not required to offer health insurance. If they decide to provide insurance, they can buy it through Florida Blue or the Marketplace (insurance exchange) for small employers.
- Companies with more than 50 full-time workers will have to offer health insurance to all full-time workers, and those workers’ dependents under the age of 26.
How will the new law affect Medicare?
Medicare will continue. If you have questions, please call the number on your Medicare card.
How can I learn more about the new law and how it will affect my family?
Florida Blue is here any time you need us. To help you understand what’s new and what it may mean to you.
If you have any questions about this portion of the law, click the “Ask a Question” box on our health care reform website for a personalized response, visit your local Florida Blue Center where our staff can help you in person or check out our health care reform section on our blog!
This information is for illustrative purposes only and is being provided to help increase understanding of the impacts of some of the provisions of the Affordable Care Act (ACA). It does not attempt to cover all of the law’s provisions and is not intended as tax or legal advice.