Laying the Foundation for 2014 | Medical Bill Advocate

Laying the Foundation for 2014

Starting in 2014, the Health Insurance Marketplace will make it easy for you to compare qualified health plans, get answers to questions, find out if you are eligible for tax credits for private insurance or health programs like Medicaid and the Children’s Health Insurance Program (CHIP), and enroll in a health plan that meets your needs.

• Building the Health Insurance Marketplace: The Affordable Care Act gives States the resources and power to build and run their own Marketplace, sometimes called an Exchange. Forty-nine States, the District of Columbia, and four territories have, having received at total of nearly $3.6 billion in Exchange Grants.

• Ensuring Health Insurance Choices: The Affordable Care Act creates a new type of non-profit health insurer, called a Consumer Operated and Oriented Plan (CO-OP). These insurers are run by their members. CO-OPs are meant to offer consumer-friendly, affordable health insurance options to individuals and small businesses. To date, a total of 24 non-profits offering coverage in 24 states have been awarded over $1.9 billion.

• Banning the Worst Insurance Practices: Starting in 2014, the Affordable Care Act will prohibit health insurers from charging more or denying coverage to people because of pre-existing conditions. It will also make charging women more for health insurance a thing of the past.


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