A quick search here, on Google and Wikipedia revealed little useful information;
Are any details or finer points available as to the actual coverages, costs of premiums, co-pays and deductables?
I have a Point Of Service (hmo) with Aetna currently through my employer and the costs and changes of coverages have gone to crap at the beginning of this year- I cannot afford to continue treatment for my severe chronic back-pain any longer and am crossing my fingers that it would be affordable for me to switch carrier as soon as I can to a government subsidized plan;
So… Since I have a job, my family & I have -always- been just a tiny smidge above being eligible for any sort of assistance, and far below being able to comfortably afford my ‘pre-existing condition.’ Am I still going fall within that group with gubbmint health plan?
TIA!
tldr; asking for any avail details of actual coverages & costs associated with a reformed health-care policy/
Here you go. Make sure you choose “final legislation” in the drop down box.
Keep in mind it will be 2014 before most of these subsidies start, though there are some bridge programs.
Also the law will include requirements about the levels of coverage various plans need to have, so your employer provided plan may improve over the next few years.
Unfortunately, the government subsidies and most of the new insurer regulations (including the ban on discriminating against adults with pre-existing conditions) won’t come into effect until 2014. However, this is a good website for calculating the level of subsidies you’ll be eligible for. If you’re only just above the threshold for eligibility right now then you will definitely be eligible for subsidies in 2014: any family of 4 earning up to $88,000 will be eligible for some level of subsidies. In fact, you might even be eligible for a beefed-up Medicaid, because it’s being expanded to anyone earning up to 133% of the poverty threshold. The poverty thresholds are here;for a family of 4, the threshold for Medicaid will become about $29,000. The Speaker’s website here has documents outlining the more general provisions.
Also as Simplicio noted, there’s a bridge program set up for people who cannot get insurance because of a pre-existing condition: there will be interim high-risk pools set up to provide immediate access to insurance until 2014. They’ll be set up 90 days after the bill’s enactment, which I think is in June. What exactly they’ll consist of, I’m not sure.
Aaghhh, just looked at your post again and noticed you have employer coverage. The subsidies are generally only available to people buying on the individual market who do not have employer-provided care available. In that case you may get the benefits of improvement in coverage, the co-pays and deductibles will be more restricted and they won’t be able to raise your premiums because of the pre-existing condition (if your premiums are already much higher than for people without pre-existing conditions, it should mean they’ll have to lower your premiums to the average level, as far as I’m aware). But I don’t think you’ll be eligible for the subsidies, unless perhaps if you’re eligible for Medicaid. Apologies for the misinterpretation.