The Top Three Things You Should Know About the New U.S Health Insurance Laws
Recently, there has been a lot of talk about the new U.S health insurance laws. Do you feel like you still don’t understand what they are all about? Here are the top 3 things you should know about them.
You Could Be Penalized For Not Having Health Insurance
If you are able to afford health insurance, but you choose not to have it, you will be charged a fee or penalty if you don’t qualify for an exemption. For the 2015 year, the fees are the higher of these two possibilities: %2 of your yearly household income, or $325 per person for the year, the maximum being $975 per family. There are certain circumstances that can apply that would make you exempt from these fees, such as income based exemptions, health coverage related exemptions or group membership exemptions.
The Insurance Plans Offered Through the Health Insurance Marketplace Cover Pre-Existing Conditions, Birth Control Benefits and Mental Health Care
You cannot be refused coverage because of a pre-existing condition, including pregnancy. Companies also cannot charge you more for your premium because of a pre-existing condition or charge women more than men. All FDA approved contraceptive methods as well as counseling for all women that are prescribed by a health care provider are now covered as well and mental health and behavioral health services are considered part of your essential health. This means any psychotherapy, counseling and inpatient services will now be covered under the insurance plans offered through the Health Insurance Marketplace.
Health Care is Available to Immigrants
There are three categories of immigrant status’ that are eligible for health coverage; U.S citizens, U.S nationals and lawfully present immigrants. You will need appropriate documentation of your immigrant status to apply for health coverage through the Health Insurance Marketplace. If your family has mixed immigration statuses, family members who aren’t applying for coverage for themselves won’t be asked about their own immigration status. Any information provided by applicants or beneficiaries will not be used for the enforcement of immigration laws.
No one plans on getting sick or injured, but most of us will need medical care at some point in our lives. Having health insurance will help protect you from unexpected medical expenses and provide you with free preventative care. So take the time to learn about the health care needs of you and your family today!