Maze cartoon of a
patient on a rollercoaster track to healthcare reform.
Cartoon maze of a patient
on a rollercoaster track to healthcare reform, without the
By Yonatan Frimer
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Timeline: When health care reform will affect you
(CNN) -- President Obama signed sweeping health care
into law Tuesday. The Senate must now pass a package of changes that
will reconcile the differences between Senate and House bills. If those
changes are worked out, here is how health care reforms will affect you:
the first year
Within the first year
• Young adults will be able stay on their parents' insurance
until their 26th birthday.
Seniors will get a $250 rebate to help fill the "doughnut hole" in
Medicare prescription drug coverage, which falls between the $2,700
initial limit and when catastrophic coverage kicks in at $6,154.
Insurers will be barred from imposing exclusions on children with
pre-existing conditions. Pools will cover those with pre-existing
health conditions until health care coverage exchanges are operational.
• Insurers will not be able to rescind policies to avoid
paying medical bills when a person becomes ill.
• Lifetime limits on benefits and restrictive annual limits
will be prohibited.
• New plans must provide coverage for preventive services
without co-pays. All plans must comply by 2018.
A temporary reinsurance program will help offset costs of coverage for
companies that provide early retiree health benefits for those ages 55
• New plans will be required to implement an appeals process
for coverage determinations and claims.
Adoption tax credit and assistance exclusion will increase by $1,000.
The bill makes the credit refundable and extends it through 2011.
• A 10 percent tax will be imposed on amounts paid for indoor
tanning services on or after July 1.
Businesses with fewer than 50 employees will get tax credits covering
35 percent of their health care premiums, increasing to 50 percent by
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