Thursday, July 1, 2010

July 1, 2010: The first day of the rest of your life

Today, a major wave of healthcare reforms begins.

Today, most importantly, the pre-existing condition dies. You can no longer be denied health insurance because you have a pre-existing condition.

If you are among the one in five Americans with a pre-existing condition and you have been denied healthcare insurance, you can sign up for a high-risk healthcare pool today.

Of course, since this system was designed by Congress, it's a bit complicated to apply. And, since state's like to hold some power, there will be some variability across states. For example, according to the LA Times, the rates for high-risk pools could vary from $140 to 900 per month. BUT, the main point is that you will not be denied coverage.

Ironically, some states that beat the states' rights drum most often-- like Arizona!-- have asked the feds to run their high-risk pools. Twenty-one states want the federal government to run their programs, while 29 others will be running their own high-risk pools.

What does all of this mean to you and your family? Check out the government's newly designed The site includes an easy-to-use interactive tool to help you find plans in your state.

For more background, the Los Angeles Times has an extensive series of articles related to reform.

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