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Affordable Care Act and HRSA Programs
A primary goal of the Affordable Care Act is to help uninsured Americans gain access to quality, affordable health care. Central to this goal is the creation of the Health Insurance Marketplace. Through the Marketplace, eligible Americans will be able to enroll in an affordable health plan to get coverage that starts as early as January 2014.
Better Value, Better Benefits
- Health insurance companies now have to spend at least 80 cents of your premium dollar on health care or improvements to care, or provide you a refund. In 2012, 8.5 million consumers received half a billion dollars in refunds – with the average consumer receiving a refund of around $100 per family. Moreover, 77.8 million consumers saved $3.4 billion up front on their premiums as insurance companies operated more efficiently as compared to 2011.
- For the first time ever, insurance companies in every state must publicly justify any rate increase of 10 percent or more. Since implementing the law, the fraction of requests for insurance premium increases of 10 percent or more has dropped dramatically, from 75 percent to 14 percent. To date, the rate review program has helped save Americans an estimated $1 billion.
- Insurance companies can no longer rescind your coverage because you get sick or because you made a mistake on an application. And they can no longer limit lifetime coverage to a fixed dollar amount. Already 105 millionAmericans no longer have a lifetime limit on essential health benefits, thanks to the law.
Find out more about the health insurance marketplace right here.