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More Women to Get Health Insurance Under Affordable Care Act
Date:7/30/2010

to remain on or join their parents' health plan. An estimated 1 million uninsured adult children will gain coverage this way over the next three years, while another 600,000 will be able to lower their costs.
  • Insurers will be barred from placing lifetime limits on benefit, which will help about 10,000 women.
  • Insurance carriers will no longer be able to put restrictions on annual benefits or rescind coverage.
  • Exclusions for preexisting conditions are already prohibited in 38 states and the District of Columbia. Another 12 will join in August, benefiting about 10,000 women over the next three years.
  • New state-run health insurance exchanges will enable approximately 7 million women to procure subsidized coverage.
  • Carriers will be required to cover the cost of recommended preventive services (such as mammograms and cervical cancer screening) without cost-sharing.
  • Among the longer-term changes (2014 and beyond):

    • Medicare beneficiaries who reach the "donut hole" on prescription coverage will get a $250 rebate. That change takes effect this year and the donut hole will be eliminated by 2020.
    • Medicaid eligibility will be expanded to include adults with incomes below 133 percent of the federal poverty line, opening up the possibility of insurance to 8.2 million uninsured working-age women.
    • Private plans will be required to cover the costs of maternity and newborn care.
    • Private insurance carriers will no longer be able to deny coverage to individuals or raise premiums because of health conditions or gender.

    Certain states with higher percentages of uninsured women will benefit more from the Act than others. In Texas, for example, nearly 30 percent of adult women are uninsured (versus 17 percent nationally). "Those states stand to make substantial gains in coverage," said Collins.

    "The new law marks a dramatic departure from the past in women's ability to gain compreh
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