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Check out , an easy-to-use online tool that helps you understand what the health care laws means for you and your family. Answer seven quick questions and get a free customized report. Get started at . The tool is also available in Spanish at .
What You Need to Know About the Health Care Law
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There is a lot to learn about the Affordable Care Act and the many benefits and protections that are now available. AARP is here to help you understand how the law works for you and your family.
No one plans to get sick or injured. Having health coverage protects both your health and your wallet. If you are currently uninsured or buy your own health coverage, you are able to purchase coverage through the Health Insurance Marketplace. Once you’re covered, you’ll be able to breathe a little easier knowing that you and your family are protected. Because of the Affordable Care Act, your coverage won’t be cut off or canceled just because you get sick. You can be confident that your health coverage will be there for you when you need it. And, depending on your income, financial help may be available to help cover some of the costs. You can shop online through the Health Insurance Marketplace during open enrollment from Nov.15, 2014, through Feb. 15, 2015.
Even for those who have insurance, the health law brings added peace of mind. Beginning in 2014, insurance companies can no longer deny coverage when you or a loved one need it most — even if you have a preexisting condition such as asthma, diabetes, high blood pressure or even cancer. And if you or a family member become ill or injured, your insurance company can’t put dollar limits on your coverage or cancel your plan. The law also makes it possible to keep your children on your family plan until they reach age 26 — an invaluable protection as this younger generation struggles to find its footing in the new economy.
In addition, all insurance plans are now required to provide more preventive care such as health screenings for certain cancers, diabetes and heart disease.