To Be Equal Affordable Health Care is Here to Stay
keesto | 10/11/2013, 4:51 p.m.
by Marc Morial
President and CEO National Urban LeagueWe fought and won a battle three years ago to improve ac- cess to af fordable health care for ever y American and finally it's here. Last Tuesday, a key compo- nent of the Affordable Care Act took effect when the new Health Insurance Marketplace opened for business, allowing millions of Americans to shop for a variety of quality, af fordable health plans that best meet their needs.Here is how it works. First, if you are among the vast majority of Americans who already have health insurance that you like, you can keep it and you don't have to change a thing. The only changes you will see are new benefits, better protections from insurance company abuses and more value for ever y dollar you spend on health care. For example, you can no lon- ger be denied coverage because of a pre-existing condition and you can't be canceled because you get sick . Young people can be covered by their parents up to age 26 . Most people will now be eligible for free preven- tive screenings blood pressure and cholesterol tests, mam- mograms, and colonoscopies . Insurance companies will no longer be able to set a life-time dollar limit on what they spend for your essential health ser vic- es . In addition, 47 million wom- en will gain access to preventive health ser vices . The law makes it illegal to charge women dif fer- ent rates than men . And seniors on Medicare will have access to cheaper drugs, and free preven- tive care .For the millions of Americans who currently have no health insurance, the new law of fers a long-awaited lifeline of protection . As of Oct . 1, with a visit to the Health Insurance Marketplace at www .HealthCare .gov, you can learn if you can get lower costs based on your income, compare your coverage options side-by- side, and enroll.When you use the Market- place, or "health insurance ex- change," as it is also called, you'll fill out an application and see all the health plans available in your area . You'll provide some infor- mation about your household size and income to find out if you can get lower costs on your monthly premiums for private insurance plans. You'll learn if you qualify for lower out-of-pocket costs. The Marketplace can also tell you if you qualify for free or low- cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP). The open enrollment period runs from Tuesday, October 1, 2013 to March 31, 2014 . Coverage begins on Januar y 1, 2014 .You can also get help by phone, 24/7, by calling 1-800- 318-2596 . And local help can be found by visiting LocalHelp.HealthCare.Gov. President Obama signed the Af fordable Care Act into law on March 23, 2010 . It was upheld by the Supreme Cour t on June 28, 2012 . While there will inevitably be some star t-up wrinkles to iron out, this law is good for the health of the American people and good for the nation . Congressional ex- tremists bent on stopping its im- plementation are fighting a losing battle and only putting their own political futures at risk . Obamacare is here to stay .Marc H. Morial, former mayor of New Orleans, is president and CEO of the National Urban League.