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Families and Individuals

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Q: When does the health care reform law take effect?

A: The health insurance reforms adopted as part of the Patient Protection and Affordable Care Act (PPACA), and the subsequent reconciliation bill, were phased-in over several years. Most provisions were effective January 1, 2014. However, some new protections were implemented when plans renewed after September 23, 2010. For more information on when certain provisions become effective, check the current timeline.

Q: What should I do if my insurance company rescinds my coverage?

A: If your insurance company “rescinds,” or retroactively cancels, your health insurance coverage, it will be required, in plan years beginning September 23, 2010 or later, to provide advance notice of its intention to do so, and may only do so if you committed fraud or made an intentional misrepresentation of an important fact on your application. If your insurer notifies you that it wants to rescind your policy, and you have not done either of these things, request more information from the company. If you are not satisfied with their explanation, immediately contact the Idaho Department of Insurance at 208-334-4250 to file a complaint.

If your health insurance was cancelled retroactively because you stopped paying your premiums, this is not considered a rescission.

Q: How will the bill improve access to preventive care?

A: Beginning September 23, 2010, plans that became effective after March 23, 2010, were required, upon renewal, to eliminate any cost-sharing for preventive services covered under the contract.

Q: Can I still have a Health Savings Account (HSA)?

A: Yes, nothing in the legislation would infringe upon the ability of an individual to contribute to a Health Savings Account (HSA) or discourage an individual from doing so. The minimum level of coverage required to meet the individual mandate was specifically designed to allow for the purchase of a qualified high deductible plan that would complement the HSA.

Q: How will the bill affect my current HSA?

A: Over-the-counter medication will not be reimbursed through an HSA, HRA or FSA without a prescription, and the tax on HSA distributions for non-qualifying medical expenses will go from 10% to 20%.

Q: Will my health insurance premiums continue to go up?

A: Some individuals and families will be eligible to receive a subsidy to offset the cost of their health insurance premiums if they enroll in an individual health plan through Your Health Idaho. For more information on premium subsidies and Your Health Idaho, please visit www.yourhealthidaho.org.

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