By 2014 and beyond...
- $15 billion over ten years will be funded to the prevention/wellness trust.
- No one with any pre-existing condition will be denied coverage.
- Most Americans who are not eligible for Medicare or Medicaid or covered by employer plans will be able to comparison shop for affordable, comprehensive healthcare insurance on centralized exchanges.
- Government subsidies to Medicare Advantage, plans run by private insurers, will be lowered in 2012, possibly leading to higher premiums or reduced benefits.
- Medicaid will be expanded to cover people with incomes up to 133 percent of the poverty level ($29,327 for a family of four in 2010).
- If you remain uninsured, you may face an initial fine in 2014 of $95 or 1 percent of income, whichever is higher. By 2016, the penalty rises to $695 or 2.5 percent of income, but families will not pay more than $2,085.
- Individuals and families who cannot afford insurance through exchanges and don't qualify for Medicaid may receive premium subsidies.
- Starting in 2013, individuals earning at least $200,000 and families earning more than $250,000 will pay higher Medicare payroll taxes, as well as a 3.8 percent tax on investment income.
The U.S. Department of Health & Human Services will provide more details in the coming weeks, and dLife will continue to monitor how the new law will benefit Americans with diabetes. Stay tuned…
Bob Woods is a freelance writer based in Madison, Connecticut.
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