Health Care Reform Takes Effect Today … Sort Of

So you’ve probably heard lots of news stories telling you that many of the most important aspects of the Affordable Care Act going into effect today. For example, insurers can no longer deny insurance for children with pre-exisiting conditions. And insurers can’t put life-time caps on the benefits in their plans.

That’s not quite the whole story. In fact, for any particular insurance plan these changes will go into effect on the date of the new plan year, on or after September 23, 2010. That means that the changes happen the next time your insurance plan renews.

So for example, if your current insurance plan has a million dollar lifetime cap, that cap doesn’t disappear today. It disappears when your plan is up for renewal. The cap stays in place until that time.

There, hope that clears things up.

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