By requiring insurance companies to accept everyone – even those with pre-existing conditions (in effect for children in 2010 and adults in 2014)
- By prohibiting the insurance company practice of dropping people from coverage when they get sick (“rescission”)
By offering subsidies for low and middle-income people to help them afford insurance (2014)
- By creating a one-stop-shop for competitive insurance offers (health insurance exchange) – making it easy for consumers to compare prices and options (2014)
By immediately creating a subsidized insurance option for those previously denied insurance coverage (see “Pre-Existing Condition Insurance Pool” below)
By expanding the number of people covered by Medicaid
By mandating that people who can afford insurance (i.e. insurance would cost less than 8% of their income) either purchase insurance or pay a tax (2014)
By requiring insurance companies to offer coverage to people up to age 26 through their parent’s policy (2010)
- By allowing people to keep their current coverage, if it works well for them
- By encouraging employers to offer health insurance to their workers
- Proof of U.S. citizenship (i.e. birth certificate) and Michigan residency (i.e. state driver’s license).
- Certification by a physician (i.e. doctor’s letter), issued within the past six months, demonstrating that the individual suffers from a medical condition found in the pool’s list of pre-existing conditions, OR
- Evidence that, for health reasons, a carrier has refused to issue coverage to the individual within the previous six months (i.e. health insurance company denial letter).
For a list of the pool’s pre-existing conditions, visit:http://www.michigan.gov/documents/dleg/Pre-Ex_330602_7.pdf
Michigan consumers interested in detailed enrollment, benefit and eligibility information should contact PHP weekdays from 9:00 am – 5:00 pm EST at 877-459-3113. Request an application for coverage.
From MichUHCAN Newsletter ACA-02 2010