For Americans with disabilities and their families, getting affordable health insurance that covers all their needs can be difficult. From insurance plans that don’t offer full coverage to prohibited costs, people with disabilities face many unique challenges. But thanks to the historic Affordable Care Act (ACA) President Obama signed into law two years ago, options for health insurance have expanded and become more affordable.
Under the ACA:
- Job-based and new individual plans are no longer allowed to deny or exclude coverage to children under the age of 19 based on a pre-existing condition, including a disability
- Starting in 2014 these plans won’t be able to exclude anyone from coverage or charge a higher premium for a pre-existing condition, including a disability
- Insurance companies can no longer impose lifetime dollar limits on your coverage
- Medicaid will expand to cover even more Americans with disabilities, helping low-income adults who have disabilities but don’t meet the disability requirements of the Supplemental Security Income (SSI) program
- Insurance companies can no longer drop you when you get sick just because you made a mistake on your coverage application
To find out more about how the ACA benefits people with disabilities visit as well as resources for your coverage, visit healthcare.gov.