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My Simple breakdown of The Timetable for The Patient Protection and Affordable Care Act “Obama care”

I have been trying to keep up with Obama Care as it has been developing because I feel it is very important to my clients, to be

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aware of changes that may affect them. I have put together time table of what has been happening. It is as close to accurate as I have been able to get. I cannot guarantee that some of this has been changed as the Government is working to get things started. I put this together to give you some idea of how the changes have started and will be continuing to change the way we purchase Health Insurance. I will update my Blog as I

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have more information on the Exchanges.

On March 23, 2010

  • President Barack Obama signed into law a Sweeping reform of the nation’s health care system, handing down to the American people with a stroke of his pen the Patient Protection and Affordable Care Act—one of the most significant and controversial pieces of social legislation in the history of the United States. “(Obama Care)”

June 2010

  • Government-run “high –risk pool” set up to provide insurance for adults with a pre-existing health condition until all insurance plans provide this coverage in January 2014.

September 2010

  • Children under at 18 can no longer be rejected by insurers because they have a pre-existing health condition. (In Ohio you can no longer purchase Child only polices.)
  • Children up to age 26 can be insured as dependents covered by their parents’ insurance policy.
  • Insurance plans can no longer impose a lifetime limit on a policyholder’s benefits.
  • Insurance companies can no longer use “rescissions” to abruptly cancel polices for frivolous reasons.

January 2011

  • “Donut hole” in Medicare’s prescription drug plan begins to close ( it disappears completely by 2020)

October 2012

  • Enrollments in Class long-term, assisted-living care insurance program were to begin (Note: CLASS was suspended by the White House in October 2011)

January 2013

  • Income tax deduction threshold for medical expenses rises.
  • The purchase of Exchanges starting October 2013 for an issue date of January 1, 2014

January 2014

  • Medicaid expanded across the United States to an income level up to 133 percent of the federal poverty line in every state (a handful of states, including Texas and Florida, have announced that they will not go along with this part of Obama Care and because of the Supreme Court ruling the federal government cannot punish them financially for their non-compliance).
  • Health exchanges selling insurance to individuals and small businesses begin to operate in each state in the United States (if a state does not set one up –the federal government will create and run it for them).
  • Individual Mandate Tax Americans who do not obtain health insurance expose themselves to a penalty.
  • Adults age 18 and older can no longer be rejected for insurance because of pre-existing health condition.
  • Insurance plans must cover “essential health benefits”


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