Need Health Insurance?

In March, 2010, health care in America had its first major reform in decades when President Obama signed the Affordable Health Care Act into law. Changes have been and will continue to be rolling out in waves with the final adjustments taking effect in 2014. So what does this mean? Here's a run down of some of the changes:

• All new insurance plans must provide preventive care such as check-ups and mammograms for free to the consumer.
• Children can no longer be denied health insurance due to a pre-existing condition and most states will also make coverage available to adults with a pre-existing condition.
• Seniors will enjoy a reduction in prescription costs.
• Young adults will be able to continue to be covered under their parents' health care plans until 26 years of age.
• Insurance companies can no longer impose lifetime limits on benefits.
• More federal money will be earmarked for states to expand their Medicaid programs.
• A new health insurance marketplace will open online to help consumers search for, compare, pick and apply for health insurance coverage and financial assistance.

Colorado's Health Care Marketplace

Connect for Health Colorado is a new online marketplace where individuals, families and small businesses in Colorado can shop, compare, pick and purchase health insurance plans and get exclusive access to new up-front financial assistance, based on income, to reduce costs. Customers will shop through a website and get expert help in person and over the phone from a network of customer service professionals, including customer service center representatives, health coverage guides and certified health insurance agents and brokers. Nearly 500,000 Coloradans will be eligible for a new kind of tax credit to lower the cost of health insurance, only through Connect for Health Colorado. If you are an individual earning between about $15,000 and $46,000 a year, a couple earning between about $20,500 and $62,000 a year or a family of four earning between about $31,000 and $94,000 a year, you may qualify for a break on your monthly premiums. You may also be eligible for health plans with lower copays and deductibles. Coloradans will be able to choose from a broad range of health plans, all offering comprehensive coverage, so you can shop with confidence. All health plans will cover, at a minimum, a package of services such as preventive and wellness care, emergency care, behavioral health services and prescription drugs. Insurance plans include free preventive services, such as diabetes and cholesterol screenings and annual exams. Open enrollment is from October 1, 2013 to March 31, 2014. Coverage begins as early as Jan. 1, 2014 if you purchase insurance by December 15, 2013. The
Marketplace is a non-profit entity established by a 2011 state law. More information is available at www.ConnectforHealthCO.com

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