Health Care Reform
On March 23, 2010, the Patient Protection and Affordable Care Act became law. This law is called health care reform and it provides many new patient rights. It also offers new ways to get health insurance.
- In most health plans, many vaccines, cancer screenings, and other preventive care services are now free, with no co-pay, co-insurance, or deductible. Learn more.
- Health plans cannot refuse to cover children because they have a health problem or disability.
- Starting in 2014, plans cannot charge you more or refuse to cover you because you have a health problem or are pregnant.
- Young adults who cannot get insurance through their employer can stay on their parent’s or guardian’s plan until age 26. To learn more, contact your health plan.
- Plans cannot put a lifetime limit on how much care they will pay for if you get sick. And yearly limits will end in 2014.
- Plans cannot cancel your coverage just because you get sick or make an unintentional mistake on your application.
- Look at a Fact Sheet on new rights.
New ways to get health insurance
Covered California is a new health plan marketplace where you can apply for health plans. You can also apply for tax credits to help pay premiums. Open enrollment is from October 1, 2013 to March 31, 2014. Health plans will start January 1, 2014.
Covered California will make it easier to compare plans and find one you can afford. You can estimate the cost of your health plan premium at www.coveredca.com.
If you need coverage now, go to OPA’s page on finding health care.
View OPA’s new series of videos on health care change in California:
Preventive Care Services (English, Spanish, Cantonese, Mandarin, and sign language)
Consumer Assistance (English, Spanish, Cantonese, Mandarin, and sign language)
Your Right to an Interpreter (English, Spanish with Spanish captions, Spanish with English Captions, Cantonese, Mandarin, and sign language)
Health Care Reform in California (English only)
Your Rights Under Health Care Reform (English only)
View OPA’s new series of Fact Sheets on health care change in California:
Federal Health Reform Rights and Protections
Finding health care