Part 2

The Major Changes that are coming:

• Everyone with few exceptions, is required January 1st, 2014 to have a Qualified Health Plan (QHP) with minimum Essential Health Benefits (EHB) or pay a penalty

• The QHP's will be guaranteed issue regardless of pre-existing conditions

• QHP insurers cannot exclude or have coverage limitations based on pre-existing conditions

• QHP insurers cannot charge a higher premium based on health status or gender

• Extension of health insurance coverage to children up to 26 years of age

• Elimination of annual and lifetime coverage limits

• Deductibles and co-pays cannot be applied to preventative services