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Health Care Reform

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New Information

The healthcare exchange is now closed unless you have a qualifying event. A qualifying event includes losing health insurance, an income change, a change in household size and more. Visit for more information. 

In October 2014, the Marketplace will re-open for everyone to purchase health insurance for 2015. This time period is also called open enrollment. 

If you are eligible for Medicaid or the Children's Health Insurance Program, you may apply at any time. 

What is Health Care Reform?

The Affordable Care Act, also known as Health Care Reform and Obamacare, is a law passed in 2010 to give everyone better access to affordable health care and low-cost insurance. It includes major changes in how health care is provided and what insurance covers.
There are almost 100 provisions in the Health Reform law. You may have already noticed many of them when you visited your doctor for preventive care and didn’t have to pay a co-pay.  Here are a few other big changes that have already happened.
1. Lifetime Cap. There is no longer a lifetime cap on how much an insurance company will pay for if you get sick, and your coverage cannot be canceled for making a mistake on your paperwork.
2. Insurance Company Spending. Insurance companies must spend at least 80 cent of every premium dollar on your health care or improvement to care. Those who do not must issue rebates to members. Insurance companies who want to raise premiums by 10 percent or more must justify the change and receive approval.
3. Young Adult Coverage. Young adults can stay on their parents health insurance until age 26, even if they are not in school, not living with their parents or not financially dependent on their parents.
4. Pre-Existing Conditions. Insurance coverage cannot be denied to anyone because of a pre-existing condition, like asthma or diabetes. Also, women cannot be charged more than men. 
5. Donut Hole Coverage. Seniors in the ‘donut hole’ of prescription drug coverage receive a 50 percent discount on brand-name prescription drugs covered by Medicare Part D.
6. Preventive Services. Preventive services must be covered without copay or deductible. See a full list here.

Insurance Mandate

One of the biggest changes coming is the health insurance mandate, a requirement that all American citizens and legal residents have health insurance. In 2015, all large employers will have to offer it to their employees, but until then, you will need to make sure you’re covered.   Whether it’s through your employer, your partner’s employer, Medicaid, Medicare or a plan you purchase on your own, everyone is required to have health insurance coverage in 2014 or pay a fee. 
As of October 1, 2013, people are able to shop for plans on the Health Insurance Exchange. The Exchange, also called the Marketplace, is a new way to find health insurance choices and find out if you can get help paying for insurance. You can find it at

The Marketplace is open for special enrollment all year for people who have had a change in circumstances, known as a qualifying event. Qualifying events include moving to a new state, certain changes in income or family changes like getting married or divorced or having a baby.    

In October 2014, The Marketplace will re-open for everyone to purchase health insurance for 2015. This time period is called open enrollment.