It is not surprising that people still have a lot of questions left about health care reform Dade. For those who are planning to get life or health insurance plans, it is important that they understand how these reforms would affect these plans. Here are some common questions about health care reform.
I have a pre-existing condition. Can I get affordable insurance? You need to wait three months. The requirement that insurance companies take any and all comers—known as "guaranteed issue"—doesn't kick in until Jan. 1, 2014. There is the Patient Protection and Affordable Care Act that allocates $5 billion for the establishment of "high risk pools" within 90 days across the country.
There's a fine for not having insurance. How does the government know whether you have insurance or not? Through the tax system. The legislation doesn't explicitly say how the individual mandate for health insurance will be enforced, but taxpayers will probably be required to prove that they own insurance when filing their taxes each year.
If a company has less than 50 employees, is there a penalty for not providing insurance? There are no penalties for employers with less than 50 full time equivalent employees.
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