You may have read or heard on the news about the new healthcare laws being put into place.  I have met many people who have said that they have no idea what will happen, so I thought I would provide some information. I am not an expert, nor am I placing an opinion on it. Any or all of this can change tomorrow, so before making any decisions consult your HR administrator, insurance broker, or whoever handles your health insurance needs.

As of January 1, 2014, you will be required to have health insurance. If you do not have health insurance, you will be fined a specific amount (based on your income) every year until you get coverage. The fines increase every year.  However, there are exceptions to this rule, including hardship exemptions, for which you can apply.

Many plans are changing because they don’t meet the minimum requirements set by the law. This may mean that your policy may change as of January 1, 2014. Even if it doesn’t apply to your needs and desires, the new standards require inclusion of items like prescription drugs, maternity leave, and pediatric dental care. Although pre-existing healthcare conditions will no longer be a reason for denying coverage or charging higher premiums, there are a few exceptions to this rule.

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