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Stories

Loralynn from Ohio: Spent Her Life Savings to Pay for COBRA

Loralynn did everything right. She ate right, stayed active playing volleyball, didn't smoke or drink to excess. But in spite of these good health choices, her doctor diagnosed her with diabetes in 2005.

Ellena from New York: Struggling to Pay for Health Care

Ellena, a recent first-time mother, has spent her life struggling to overcome debilitating health problems -- and struggling to pay for coverage.

Eboni from Texas: Dealing with Dropped Coverage

As a full-time MBA candidate on a student insurance plan, Eboni assumed that any unforeseen health costs would mostly be paid for.

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The Impact

Five major changes to the health care system have already taken effect.

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  1. Immediate Access Even If You Have Pre-Existing Conditions arrow

    "Under new plans, no child under age 19 will be denied coverage for a pre-existing conditions, period. Adults who have been without insurance for six months and who have been unable to obtain insurance because of a pre-existing condition, can apply for coverage under the Pre-Existing Condition Insurance Plan (PCIP)."

  2. No More Getting Dropped After You Get Sick arrow

    Insurers can no longer cut someone after the fact.

  3. Cutting Down Health Care Fraud to Cut Costs arrow

    New screening procedures are now in place for health care providers to eliminate fraud and waste in the health care system.

  4. Medicare Prescription Drugs Rebate Available for Seniors arrow

    Medicare Part D enrollees who hit the Medicare prescription drug benefit gap in 2010 will automatically receive a $250 rebate check.

  5. Tax Credits to Help Small Businesses to Cover Their Workers arrow

    Effective immediately, qualified small employers get tax credits of up to 35% of premiums for offering coverage.

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America's new health care law makes it easier for you to find the quality, affordable health care that you and your family need.

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