The Basics of the Affordable Care Act: With so much changing what do we still need to know?

Are you confused about all of this talk about health care reform? Have you been hearing that your health insurance is going to change? Do you want to be able to separate the facts from the myths or find out how health care reform can benefit you and others in your community? Want to learn about the best ways to take full advantage of all this new law has to offer?

Then come join us for a presentation by Professor Roberta Riportella. She's an expert on The Affordable Care Act and will join us to help you understand what health care reform has in store for you.

She will explain the aspects that have already gone into effect, such as coverage for adult children up to age 26 under family insurance plans of their parents.

And she will explain the consumer protections that went into effect January 1, 2013, such as not being able to be denied coverage because of a pre-existing condition.

Come learn about how the law affects your job based health insurance and the open enrollment period that begins Oct 1, 2013 when everyone who is not insured can sign up for insurance to begin Jan 1, 2014.

If you are worried about how you or your loved ones are going to get health care in the future or just want to be more informed about what all of this means then please come ready with your questions and join us July 18th at 2:00 pm.

A link to a PDF of the presentation can be found at:

http://bitsy.eu/fgsg

A link to the PPT of the presentation - which enable you to 'make your own'
http://bitsy.eu/8acr

If you downloaded before 7/22/13 slide 46 was updated to reflect updated information. Connect to slide 46 http://bitsy.eu/4liw

Roberta Riportella is the Kansas Health Foundation Professor of Community Health in the School of Family Studies and Human Services, College of Human Ecology, Kansas State University and K State Research and Extension.

Professor Riportella has spent over 30 years analyzing health policy and teaching about it, most recently as a Professor at the University of Wisconsin-Madison. She has a long and varied career working with many state based agencies, non-profits, and health care provider groups focused on issues related to how individuals, families and communities can best create opportunities for health and accessing health care.

Since March 2010 when health care reform became a law, Professor Riportella has been helping professional groups, communities and consumers become informed about its potential impact.

Visit Dr. Riportella's Blog - Issues in the Health Reform - https://blogs.ksre.ksu.edu/issuesinhealthreform/

IF you could complete an evaluation and send it into Dr. Riportella that would be appreciated. http://bitsy.eu/ia1e

Or if you would prefer to submit something ONLINE - the link is here http://bitsy.eu/6nvv

Presenters

Roberta Riportella

Created by Donna Shanklin

4 Comments

Remember to use the ASK system when you have a question about ACA - or connect with some of the links at http://www.extension.org/pages/68424/affordable-care-act#.Uhev_z8mxaw

Thumb_image Donna Shanklin

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almost 2 years ago

In the PPT on slide 60 under "No one can be turned down for insurance" please clarify what is meant by: minimal rating system max 3X for age, group/geographic, single/family

Avatar_placeholder Sue Allen

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almost 2 years ago

Sue Allen So sorry that I've not understood how this was working with questions being posted. Insurance companies have usually rated individuals by certain risk factors and that is how they set premium costs. ACA limits the criteria companies can use to give you a different premium. So the new criteria is based on geographic region...with all in same high/low cost medical service cost areas will be the same. The difference between purchasing a single or a family plan. There are really two risk factors that they can rate someone's premium on. The more common one is age. But rather than being able to rate an older person 5, 10xs more than a younger one, ACA holds insurance companies to a 3x max. The oldest person in the plan cannot be charged more than 3 times the youngest person's rate. There is less clarity on how quickly premiums can rise for different age groups (can 40 year olds be charged at 3x the rate?). And then there really is a differential rate for smokers. This has been a standard in the industry for many years. The difficulty with that is that the tax credit will not support that portion of the premium that is being charged additionally because someone is a smoker. The tax credit is only calculated on the pre-smoking premium. All in all, this is a very streamlined rating system. Note that there are no differences based on pre-existing conditions, gender (women were routinely charged more), nor for risk factors such as occupational risk. That is good news for farmers and other high risk occupations.

Avatar_placeholder Roberta Riportella

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almost 2 years ago

Thank you - very helpful!

Avatar_placeholder Sue Allen

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almost 2 years ago