- Plans & Services
- Tools & Tips
- About Us
If you haven't been able to access or afford health care insurance in the past, help is on the way. Learn how new legislation may provide you with the coverage you need.
According to the U.S. Census Bureau and data it released in September 2009, the number of people without health insurance coverage rose from 45.7 million in 2007 to 46.3 million in 2008. This means that approximately 15% of the U.S. population, which hovers around 309 million, lacks coverage.
Being without coverage is a frightening proposition. People in these situations often wonder when an accident, injury or sickness may propel them into financial ruin or even if they'd be able to access care when the need surfaced. Moreover, these same individuals aren't receiving any preventive care to prohibit bigger, more expensive problems.
If you're among these statistics and if you haven't been able to qualify for, or afford, coverage in the past, help is on the way. On March 23, 2010, President Obama signed into law the Affordable Care Act, which calls for comprehensive health insurance reforms designed to lower health care costs, prevent costly illnesses, provide greater access to benefits, and improve the quality of care of the health care system in general. Those who benefit immediately include:
Changes resulting from the law are being implemented already, and more changes will come through 2014 and beyond. Here are some of the significant changes coming soon or already in force:
What's to Come
Stay tuned for updates about upcoming reforms. One place you might want to bookmark for future reference is the HHS' health care website. The site breaks down the new law and provides links to information such as state-specific private insurance plans, public programs and community services that may be available to you beginning today.
Also, the healthcare.gov site features a timeline that visually displays projected changes. One anticipated development is the creation of a health care exchange, expected in 2014, to help individuals purchase insurance through an online marketplace if it's not offered by their employers.
The reforms issued through this new legislation are a step in the right direction to repairing a broken U.S. health care system as long as they can fulfill their promised benefits. The best thing you can do as a consumer is to stay informed and take advantage of the newly designed and reformed programs that can help you maintain good health.
Changes stemming from the 2010 health care reform legislation are already in place. Learn what's coming in 2011 that could lower your costs and make care more accessible.
If you can't pay your federal tax liabilities promptly, here are some suggestions on how to partner with the IRS and eventually pay off your debt.
Getting an audit notice from the IRS can be intimidating. Understanding the process can help you get through it, and may even help you avoid an audit altogether.
Fees can quickly reduce your refund total for the sake of a fast-cash solution. Know the facts and consider other alternatives.
Each time you start a new job, one of the first things you do is complete a Form W-4. Do you know why?
What's your debt IQ? Take one of our quizzes and find out how much you know about financial fitness.Take the Quiz Now!
Subscribe to our newsletter, packed with great articles, tips, and advice to help you make the most of your money.Subscribe Now!
Our calculators can help you figure out your budget, credit card payments, mortgage, and more!Learn More