April 1, 2013
The new health care law, the Affordable Care Act (ACA), Health Care Reform — 3 different names for the same federal law that changes how Americans get health care and how health insurance companies help pay for it.
This new law expands health insurance to include more benefits for more people. And since most people will be required to have health insurance, the law creates tax credits and subsidies from the U.S. government to help cover the cost. Those who choose not to get coverage are subject to fines on their tax returns.
It also comes with changes and responsibilities for companies offering health insurance to workers.
The new health care law is also meant to help cut the high cost of health care in the long run, although individual costs may be higher or lower. Measures to help lower the overall cost range from incentives for people to take good care of their health, to making it easier and cheaper for health care services to be delivered.
Some other major changes that you should know about:
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