The Affordable Care Act, passed into law in 2010, requires that beginning in 2014, no one be denied insurance coverage or charged higher rates because of a pre-existing condition such as cancer. Patients also no longer have to worry about being dropped by a plan because they have gotten sick.
Patients who are uninsured and under-insured will now be able to purchase a plan sold in the new marketplaces. Each plan must offer 10 essential health benefits, and patients with low and moderate incomes may be eligible for tax credits that reduce their costs. Open enrollment began October 1, 2013 for coverage that begins January 1, 2014.
In general, anyone who has an insurance plan that they like – and remains available to them – does not need to go to the marketplace. In other words, people with private insurance through their employer, or individual or family coverage that they bought themselves, obtained through TRICARE, or any other health plans, can stick with their current insurance. They don’t need to do anything. Additionally, those eligible for Medicare cannot purchase insurance through the public exchanges.
The IMF has created this page to provide you information and help guide those who will be purchasing a new health insurance plan.
IMF has continued to monitor ACA implementation and advocate for myeloma patients as the new plans have kicked in. With our coalition partners in the Patients’ Equal Access Coalition (PEAC) and State Patients’ Equal Access Coalition (SPEAC), IMF has submitted several letters to federal and state officials to advocate for increased transparency and strengthened protections for cancer patients.
Still mystified by the Affordable Care Act? Check out our new FAQ document for answers to some commonly asked questions.
Since the passing of the Affordable Care Act in 2010, many changes have occurred to Medicare with more to come in future years. We’ve created a list of frequently asked questions to help Medicare beneficiaries navigate these changes.
Questions for patients to consider when shopping for a new health insurance plan through a new health exchange.
The Cancer Insurance Checklist is designed to help you compare insurance plans and consider your health needs when shopping for insurance in your state’s Health Insurance Marketplace/Exchange.
As implementation of the health reform law (the Affordable Care Act) continues, the International Myeloma Foundation (IMF) is pleased to announce the launch of a Spanish language version of the successful resource, the Cancer Insurance Checklist. This easy-to-use guide is available to assist people with cancer, a history of cancer, or at risk for cancer, to choose a health insurance plan.
Find Navigator organizations, including community health centers in your area.
Learn how the health care law affects you at Healthcare.gov. The official site of the Health Insurance Marketplace. See your health insurance choices.
ACA information including a subsidy calculator with plan costs by zip code.
Experts discuss everything you need to know to apply for health insurance coverage through the new health insurance marketplaces plus questions that ALL myeloma patients should ask when searching for a new insurance plan. Learn where to apply, who can help, and what to keep in mind as a myeloma patient. The speakers will provide a broad national overview of these policies, and give you resources to learn more about what is happening in your state.
Watch this easy to understand video from the Kaiser Family Foundation for an overview of what ACA implementation means for different populations.
Open enrollment has begun. Use this chart to find out if your state has its own exchange and website for consumers to select and purchase plans or if your state is offering plans through healthcare.gov.