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Affordable Care Act – Expanding Access to Care and Coverage. Overview of the Law. The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010.
The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010.
The law makes reforms that will expand consumer protections and help more Rhode Islanders have high-quality, affordable health coverage.
Changes have already started to take effect, with more coming in 2014.
Young adults can stay on their parents’ health insurance plan until they are 26.
Children cannot be denied coverage because of pre-existing or chronic conditions, like cancer or diabetes. Starting in 2014, this also will include adults.
People cannot be dropped from coverage when they become sick or because they have spent too much on their coverage in their lifetime.
Women can not be charged more for their coverage than men.
No cost-sharing for certain preventive services including: regular well-child visits (birth – age 21); annual well-women visit; vaccinations, including HPV vaccine for women and girls under age 26; FDA approved prescription contraceptives…
Most people will be required to have some form of health insurance coverage by 2014.
The ACA creates a system where nearly all legally residing individuals can obtain some form of coverage
Most people will continue to be enrolled in their employer-sponsored coverage. Small businesses will be eligible for tax credits to help with the cost of coverage.
Medicaidwill expand to provide coverage to individuals with income less than 138% FPL ($15,500 for an individual).
Currently, parents in families with income below 175% FPL are eligible for Rite Care. Rhode Island could “roll back” parent eligibility to 138% FPL (the new minimum Medicaid level). Young parents could lose RIte Care coverage.
Example: A young single parent with one child who earns $8/hr would have income above the lower Medicaid limit. She would lose RIte Care and could purchase coverage through the Exchange. Her child would be eligible for RIte Care.
Young adults who have aged out of foster care are currently eligible for Medicaid until age 21. Beginning in 2014, they will be eligible until age 26.
*Note: Parents’ eligibility guidelines for Medicaid in 2014 are yet to be determined by the State