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
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