I AM UNINSURED
Nationwide, nearly 46 million are uninsured. Health reform expands coverage to 31+ million people, thus achieving a 95% coverage rate for the country.
- Increased funding for Community Health Centers to allow for nearly a doubling of the number of patients seen by the centers over the next 5 years. Community Health Centers charge a sliding fee scale based on income, thus making care more affordable for you
- An interim high-risk pool will provide immediate access to insurance for Marylanders who for at least 6 months have not been able to get coverage because of a pre-existing condition.
- Adult children will be able to stay on parents insurance until age 26 unless they have access to employer sponsored coverage
- Children can now get insurance even with pre-existing conditions
- New standards for non-profit hospitals to protect uninsured patients
- Written financial assistance policies clearly stating eligibility guidelines & how to apply
- Protections from being overcharged
- Prohibits extraordinary collection actions against patients
- Adults can now obtain insurance even with their pre-existing conditions
- Individuals buy insurance through a new online, state-based marketplace called an exchange.
- Your family may receive subsidies to help buy coverage from your state’s health insurance exchange. Based on your income, there will be a cap to the amount you will be charged for premiums and your out-of-pocket expenses will also be capped.
- Medicaid will expand to families making up to 133 percent of the poverty level
- If you still cannot afford to buy insurance, you could apply for a hardship waiver and subsidies will be provided to families with incomes of up to 400 percent of the poverty level
- If you can afford coverage and choose not to buy it, you will be fined an amount that escalates each year, up to a maximum of $2,085 or 2.5% of household income 2016.
- Expansion of Medicaid to all low income adults and families under age 65 earning up to 133% of the federal poverty level