Experient Health Asks and Answers General Questions Regarding Health Care Reform

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Many questions surround the latest and upcoming changes regarding the Health Care Reform, and to make it easier, Experient Health answered several of them in their latest online blog.

Experient Health, a Virginia Farm Bureau Company, set out in its latest blog post to make it easier for Americans to understand all of the changes health care is undergoing, especially the new health reform laws, penalties, health plans, and the Marketplace.

The blog post, written in a question and answer format, tackles topics like why individuals should have health insurance, navigating the marketplace, understanding the law itself and more.

The health care reform law, the Affordable Care Act (ACA), was signed into law by President Obama in March 2010.

"The changes made by ACA take effect over a period of years," Experient Health wrote. "Some of the law’s changes are already in effect, such as the individual mandate. Other changes will become effective in the future."

Are individuals required to have health insurance?

"Most individuals are required to obtain acceptable health insurance coverage for themselves and their family members or pay a penalty. This provision of the health care reform law is often called the “individual mandate” because it has the effect of requiring individuals to have health coverage," Experient Health explained.

At this time nothing in the law requires individuals to terminate coverage that they had on the date the law was passed. However, due to new coverage requirements, the coverage provided under an individual’s plan may change.

"If you are covered under an individual heal plan, or if you are currently covered by a government program such as Medicare, you can continue to be covered under those programs," Experient Health wrote. "Certain individuals are exempt from the individual mandate."

Individuals can be made exempt from the penalty who:

  •      Cannot afford coverage
  •      Have income below the federal income tax filing threshold
  •      Are not a citizen, national or lawfully present in the United States

To read more about the penalties for individuals who don’t have health coverage, how the law impacts flexible spending accounts (FSAs), health reimbursement arrangements (HRAs) and health savings accounts (HSAs), adult dependents, and how to get coverage for a pre-existing condition?

More information on these and other topics are available on the Experient Health web site here and at http://www.healthcare.gov.

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Stephanie Heinatz
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