If you are a person with disabilities and need health care coverage, the Affordable Care Act, or ‘Obamacare,’ is good news for you. Soon you can use the new health care marketplace to find health care coverage—at lower costs than ever before—and insurance providers can’t deny you coverage for pre-existing conditions. The marketplaces, or exchanges, go online in just fifteen days from today, on October 1, 2013, with coverage beginning on January 1, 2014.
Whether you’re uninsured, you’ve been denied coverage in the past, or you just want to explore new options, the Health Insurance Marketplace will give you more choice and control over your health coverage. The Marketplace will operate in all states, including here in New Mexico, so no matter where you live you’ll have access to coverage.
In the Marketplace, you can compare coverage options based on price, benefits, quality, and other features important to you. You can choose the combination of price and benefits that fits your budget and meets your needs.
Open enrollment for Marketplace plans begins October 1, 2013. Coverage begins as early as January 1, 2014.
- New coverage options: Insurance plans can no longer deny you coverage or charge you more because you have a disability or pre-existing health condition.
- Save money: The health care law expands the Medicaid program to more Americans, including people with disabilities. Medicaid covers many people with disabilities and some adults under age 65 with modest incomes. Besides free or low-cost coverage through Medicaid, you may also be able to save money on your monthly premiums or out-of-pocket costs for private insurance.
- Long term care: State Medicaid programs will also be able to offer additional services to help those who need long-term care at home and in the community. To learn more about programs for people with disabilities, visit www.acl.gov.
- No more limits: Insurance companies can no longer impose lifetime dollar limits on your coverage. Yearly limits generally will be prohibited for plan and policy years starting in 2014.
- Get the latest information: Visit the Individuals & Families page at HealthCare.gov and sign up for email updates.
Learn more about the Affordable Care Act, also called ‘Obamacare’
- www.HealthCare.gov — the health insurance marketplace
- www.GetCoveredAmerica.org — a nonprofit, nonpartisan campaign of Enroll America
HealthReform — a White House website
- www.HHS.gov/HealthCare — a U.S. Health and Human Services website