How does the Affordable Care Act Benefit the Uninsured?

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  • Increased funding for Community Health Centers (CHC), which provide free or low-cost, sliding-fee scale services. Increasing the number of the CHC’s means increase in access and affordability of care, especially in rural areas.
  • Adult children (up to age 26) will be able to stay on parent’s insurance with parents permission and provided that they don’t have access to employer sponsored coverage
  • Children with pre-existing conditions can no longer be denied coverage by insurers
  • Uninsured patients protected by new nonprofit hospital standards:
    • Written financial assistance policies clearly stating eligibility guidelines and how to apply
    • Protections from being overcharged
    • Prohibits extraordinary collection actions against patients
  • Adults with pre-existing conditions can no longer be denied affordable insurance
  • Individuals purchase insurance through a new online, state-based marketplace called an exchange
  • Individuals and families may receive subsidies to help buy coverage from the health insurance exchange. Based on your income, there will be a cap to the amount you will be charged for premiums and your out-of-pocket expenses will also be capped
  • Those who cannot afford to buy insurance may apply for a hardship waiver; subsidies will be available to those with incomes of up to 400% of the federal poverty level
  • If you can afford coverage and choose not to buy it, you will be fined an amount that escalates each year, up to a maximum of $2,085 or 2.5% of household income in 2016

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