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State of Idaho
700 West State Street, 3rd Floor
P.O. Box 83720
Boise, Idaho 83720-0043
Phone (208)334-4250
Fax (208)334-4398



January 5, 2011
CONTACT: Tricia Carney
cell 208-850-2342
Affordable Healthcare Act – What it Means for You in 2011
Changes consumers should be aware of now

BOISE ID (January 5, 2011) – As of January 1, 2011, several components of the Patient Protection and Affordable Care Act are now in effect. The Idaho Department of Insurance urges consumers to learn how these changes may affect them.

“Consumers need to understand how these new changes impact their individual coverage now,” says Department Director Bill Deal.

  • Over-the-counter medications will now require a prescription for reimbursement from a Health Care Flex Spending Account, Health Reimbursement Arrangement, or Health Savings Account.
  • Medicare and Medicaid patients who are subject to the “doughnut hole” or drug coverage gap will receive a 50% discount when buying Medicare Part D covered brand-name prescription drugs.
  • To ensure premium dollars are spent primarily on health care, 85% of all premium dollars collected by insurance companies for large employer plans and 80% of premium dollars collected for individual and small employer plans must be spent on health care benefits and quality improvement.
  • To protect consumers from excessive premium increases, federal law will require companies to justify premium increases in excess of 10%. Idaho received a grant that will allow more actuarial review of rate increase filings.

For answers to questions about these changes or other insurance-related issues, consumers are encouraged to contact the Department of Insurance at 334-4250 in Boise, 800-721-3272 toll-free statewide, or visit the website at www.doi.idaho.gov.

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About the Department of Insurance
The Idaho Department of Insurance has been regulating the business of insurance in Idaho since 1901. The mission of the Department is to equitably, effectively and efficiently administer the Idaho Insurance Code and the International Fire Code. For more information, visit www.doi.idaho.gov.