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Congresswoman Robin Kelly

Representing the 2nd District of Illinois

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The Affordable Care Act Implementation Schedule

The Affordable Care Act Implementation Schedule

 
Now:
  • Insurers can no longer drop your coverage when you become sick.
  • Insurers can no longer apply lifetime benefit limits to your coverage.
  • Insurers may only apply modified annual benefit limits to your coverage.
  • Insurers can no longer discriminate against children up to age 19 with preexisting conditions.
  • Insurers must spend at least 80% of your premium dollars on health care or quality improvement.
  • Insurers must publicly justify rate increases of 10% or more.
  • Young adults can remain on their parent's health plan up to their 26th birthday.
  • Obamacare has begun to close the Medicare Part D prescription drug coverage gap or 'donut hole.'
  • Obamacare requires Medicare and private insurers to offer certain preventive services without cost sharing.
  • Small busnesses who meet certain requirements are eligible for the Small Business Health Care Tax Credits to help pay for up to 35% of your premium expenses.
  • Healthcare.gov is available to provide information about the law. A 24/7 online chat feature is available to answer any of your questions.
  • A Help Center is available to answer question on the Marketplaces. You can reach the Help Center at 1-800-318-2596 or (TTY: 1-855-889-4325)
  • Residents of Cook County who earn up to 138% of the federal poverty level can enroll in Obamacare's Medicaid expansion now through County Care (http://countycare.com/).
September 2013:
  • The health plans that will be available on the Illinois Health Insurance Marketplace will be announced.
October 1, 2013:
  • Families, individuals and small businesses will be able to shop and compare plans on the Illinois Health Insurance Marketplace.
  • Enrollment begins for individuals and families in the Illinois Health Insurance Marketplace.
  • Enrollment begins for small business in the Illinois Health Insurance Marketplace Small Business Health Options Program (SHOP).
January 1, 2014:
  • Coverage begins for individuals and families in the Illinois Health Insurance Marketplaces and for small businesses in the Illinois Health Insurance Marketplace SHOP.
  • Individuals and families with incomes between 100% to 400% of the federal poverty level can receive premium tax credits to help purchase coverage. For more information click here.
  • Individuals and families with income between 100% and 250% of the federal poverty level could be eligible for subsidies to help pay out-of-pocket health expenditures. For more information click here.
  • Individuals and families with incomes up to 138% of the federal poverty level will be eligible to enroll in Obamacare's Medicaid expansion. For more information click here.
  • Insurers are prohibited from discriminating based on preexisting conditions. Insurers will no longer be able to deny coverage or charge higher premiums based on a preexisting condition.
  • Insurers can no longer apply annual limits on insurance coverage.
  • The Small Business Health Care Tax Credits increases from covering up to 35% of a business's premium costs to up to 50% of a business's premium costs. For more information click here.
March 30, 2014:
  • The initial open enrollment period ends for calendar year 2014 for individuals and families. Small business enrollment will be ongoing.
January 1, 2015:
  • New provisions go into effect beginning to tie physician payments to the value of the care they provide, not simply the volume.
 
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Robin Kelly

 

 

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