The world of health insurance is going through a lot of changes. If you’re trying to get your bearings, take a look at what’s different since the health reform bill became law.
- No one can be denied coverage because of health problems they had in the past. This is known as a “preexisting condition.” In addition, health insurance companies cannot charge you more if you have a preexisting condition.
- If you have children who are 19 to 26, they can stay on your insurance plan.
Insurance plans, with some exceptions, now cover some preventive medical services. You won’t need to pay a co-payment or reach the deductible first. These preventive services include certain vaccinations and screenings.
Health insurance Marketplaces are set up in each state or by the federal government. Marketplaces, also known as Exchanges, are websites where you can shop