The Health Care Law in Pennsylvania

Posted on October 1, 2013

For 12% of Pennsylvanians who don’t have insurance, or families and small business who bought coverage but aren’t happy with it, change is just around the corner.  Open enrollment in the Marketplace starts Oct 1, with coverage starting as soon as Jan 1 2014.

Starting Oct 1 the Health Insurance Marketplace will make it more convenient for Pennsylvanians to compare health plans based on price, quality, benefits, and find out if they are eligible for programs like Medicaid and the Children’s Health Insurance Program (CHIP) and enroll in health coverage.

Pennsylvania has received two grant awards totaling $34,832,212 to build its Health Insurance Marketplace.  With the Level One Establishment Grant Pennsylvania plans to continue research-supported planning to assure that the state designs and facilitates the development of a new marketplace that meets the needs of its residents and objectives of the State.  For more information on Pennsylvania’s grants see here.

Beginning in 2014, health insurers will no longer be able to charge more or deny coverage to anyone because of a pre-existing condition such as asthma or diabetes. The health care law also established a temporary health insurance program for individuals who were denied coverage because of a pre-existing condition.

In every State and for the first time under Federal Law, insurance companies are required to publicly justify their actions if they want to raise rates by 10% or more.  Pennsylvania has received $5,312,084 under the new law to help fight unreasonable premium increases. The law also bans insurance companies from imposing lifetime dollar limits on health benefits. This will allow cancer patients and individuals suffering from other chronic diseases from having to worry about going without treatment because of their previous lifetime limit of coverage.

To learn more information about the Marketplace please visit Healthcare.

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