Healthcare Reform « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

Inexpensive Health Insurance | Healthcare Costs

Why is individual medical insurance and employer-sponsored group health coverage so expensive? Although healthcare expenditures in the past few years have slowed because of the great recession, health plan premiums continue to rise each year. Is there any end in sight? Can I find inexpensive health insurance? While the new healthcare law of 2010 was very effective at addressing access to medical insurance and patient protection, it did little to control what the private sector pays for healthcare goods and services, and [...]

Read More » Authored by Pete S - Sr. Staff Writer in General Provisions - New Healthcare Law, General Topics - Healthcare, Health Saving Accounts, High Deductible Medical Insurance | Comments Off

Secure low cost medical insurance even with pre existing conditions

For many Americans with a health condition, securing low cost medical insurance can be very challenging. While employer-sponsored group health insurance has always been the predominate method for obtaining medical insurance, this trend is changing. According to the Kaiser Family Foundation 2011 Health Benefits Survey, only 60% of all employers offered group health insurance in 2011. This figure is down from 66% in 1999. The premiums for employer-sponsored group health insurance have also skyrocketed. Since 2001, the average annual health plan premium [...]

Read More » Authored by Pete S - Sr. Staff Writer in Government Pre Existing Condition Insurance Plan, Low Cost Medical Insurance | Comments Off

What is the Minimum Loss Ratio for Individual Medical Health Insurance?

You may have heard about the Minimum Loss Ratio (MLR) for individual medical health insurance, but what is it and how does it impact you? Under the new healthcare law, called the Affordable Care Act, special rules were established that regulate how health insurance companies can spend every health plan premium dollar.  Effective January 1, 2011, health insurers are required to spend at least 80 percent on clinical services (medical claims) and activities that improve healthcare quality of enrollees covered [...]

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California second behind Pennsylvania in Pre Existing Conditions Insurance Plan enrollment

The California Pre Existing Conditions Insurance Plan is now second behind Pennsylvania with the highest number of enrollees in the new government Pre Existing Conditions Insurance Plan. To-date, the golden state has enrolled more than 6,000 residents. The new healthcare law requires states to offer health insurance for pre existing conditions to eligible residents. Under the Pre Existing Insurance Plan, an uninsured resident of a state who is a citizen or legal resident of the United States that has a pre [...]

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Are you being billed for free preventive care under new healthcare law?

The new healthcare law requires individual medical health insurance plans and employer sponsored group health insurance plans that were effective after March 23, 2010 to cover preventive care services at 100%. This means you cannot be charged a copayment or be required to satisfy a deductible before the policy pays for preventive care benefits mandated under the Affordable Care Act. Complaints from patients are now beginning to surface because of the manner in which claims are being coded by healthcare providers. According to a recent [...]

Read More » Authored by Allan Z - Founder Editor in New Healthcare Law, Preventive Care Services - New Healthcare Law | Comments Off

Individual Medical Health Insurance Changes Effective 2014

The core pieces of the new healthcare law are scheduled to take effect in 2014 which will significantly impact individual medical health insurance. “American Health Benefit Exchanges” will be operational. These will enable individuals, families, the self employed and small businesses with up to 100 employees to shop, compare and enroll in qualified medical insurance. Additionally, medical insurance premium tax credits and cost-sharing subsidies for eligible individuals will also be available exclusively through the health insurance exchanges. The Congressional Budget [...]

Read More » Authored by Allan Z - Founder Editor in General Provisions - New Healthcare Law, Individual Mandate - New Healthcare Law, Insurance Exchanges - New Healthcare Law | Comments Off

New Healthcare Law Implementation Timeline Update

Did you know the new healthcare law, called the Affordable Care Act, contains more than ninety provisions that will be enacted through 2018?  While you may think that many of these new mandates do not directly impact you, there are several provisions that likely will because they focus on: 1) promoting low cost medical insurance, 2) expanding access to health insurance, especially for those with pre existing conditions, and 3) increasing  consumer protections. The following is a quick summary of [...]

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Can Health Insurance Exchanges Deliver low Cost Medical Insurance?

Health insurance exchanges are the key mechanism through which the Obama administration intends to implement its primary vision for healthcare reform.  Under the new healthcare law, called the Affordable Care Act (ACA), each state has been given an opportunity to establish a health insurance exchange by January 2014. The goal is for health insurance companies to compete for business on a transparent, level playing field that will drive down health insurance premiums and give individuals and small employers greater purchasing [...]

Read More » Authored by Pete S - Sr. Staff Writer in Insurance Exchanges - New Healthcare Law | Comments Off

Looking for more inexpensive health insurance?

Now is the perfect time to save money on individual medical health insurance. Individuals, families and the self employed looking for more inexpensive health insurance are typically finding better deals in the individual market, according to Allan Zee, Founder of Argeus Benefits Group, a national insurance brokerage firm that specializes in health insurance. The new healthcare law, called the Affordable Care Act (ACA), has turned the health insurance industry upside down, Zee said. While ACA has literally sent every health [...]

Read More » Authored by Pete S - Sr. Staff Writer in General Provisions - New Healthcare Law, Individual Medical Insurance Plans | Comments Off

Relief from costly prescription drug expenses for Medicare beneficiaries

The prescription coverage gap for Medicare, also known as the “donut hole,” is getting smaller and thus easier for millions of older and disabled Americans with costly prescription drug expenses this year. Based on new Medicare figures, the gap will shrink about 40 percent for those unfortunate enough to land in it. According to Medicare’s Office of the Actuary, the typical Medicare beneficiary who falls into the “donut hole” would have spent $1,504 this year on prescription drugs. That cost fell [...]

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