On March 23, 2010 the Patient Protection and Affordable Care Act (Affordable Care Act) was signed into law, which introduces reforms to health care for most Americans. Many of these reforms became effective on September 23, 2010, and include certain benefit and eligibility provisions, outlined below:
Extension of the Dependent Age Limit to 26 – Extends health benefits of covered parents to eligible dependents up to age 26. Financial dependency, residency, student status, marital status and employment status can no longer be used in the determination of an eligible dependent.
Restriction of Annual Limits – Restricts annual dollar limits on essential health benefits. (Effective until 2014. Prohibits annual dollar limit on all health benefits after 2014.)
Elimination of Lifetime Limits – Prohibits lifetime dollar limits on all health benefits.
Elimination of Pre-existing Condition Exclusion to Dependents Under 19 – Prohibits denying coverage for children under the age of 19 due to a pre-existing condition.
Inclusion of Preventive Care – Requires coverage of preventative care services with no member cost share. The following highlights preventive care services that are covered under the Affordable Care Act. Coverage of some services may depend on age and/or risk exposure.
View a list of all reforms.
View a comprehensive timeline for key reform provisions.Timeline