What does health care reform mean for me?
Who is this for?
If you’re looking for help understanding changes in the health care industry, this information can help you sort through the confusion.
The goals of national health care reform, also known as the Affordable Care Act, include:
- Extending health coverage to those without insurance
- Protecting those with insurance and maintaining their rights
- Ensuring a basic set of benefits through various health coverage options (such as preventive care services and other essential health benefits)
- Addressing issues with health care costs and making health insurance more affordable
If you already have insurance
If you get coverage from your employer you may not see significant changes in your insurance. But if you’re going to lose your group coverage or if you currently have an individual plan, you’ll need to choose a new plan.
You'll need to make sure you have a plan that meets the new health care standards in 2014. All of our 2014 plans offer quality, affordable health insurance with essential health benefits. Find a Blues plan that meets your needs.
Don’t forget that you may be able to get help paying for your health insurance. Find out if you’re eligible for financial assistance from the government with our subsidy estimator.
If you're uninsured
You can buy a health plan from Blue Cross Blue Shield of Michigan and Blue Care Network. Or, you can purchase insurance from the Health Insurance Marketplace as of Oct. 1, 2013.
All of the plans will have a minimum set of benefits, like preventive care, for instance. Learn more about what essential health benefits you’ll be guaranteed under new plans.
If you're uninsured, you'll need to purchase health insurance in 2014 or pay a fee.
Depending on your income and family size you could qualify for Medicaid, or have the opportunity to get financial assistance to pay for your plan. Find out if you might be eligible for financial assistance from our subsidy estimator.
- If your individual or family income is 400 percent or less than the federal poverty level, you could qualify for a premium or cost-sharing subsidy to buy health insurance. The subsidy will be calculated based on your 2012 income. If you do qualify for a subsidy, you’ll probably have to purchase individual insurance on the Marketplace.
- If your household income is less than 138 percent of the federal poverty level, you might qualify for coverage under Medicaid. And if you're having trouble finding coverage because of a pre-existing medical condition, you might qualify for coverage through the government.
- If you have a medical condition and have been uninsured for at least six months, you may qualify for the high-risk pool through the state of Michigan. Blue Cross Blue Shield of Michigan already insures anyone, regardless of pre-existing conditions, and will continue to do so.