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San Luis Obispo health insurance expert Susan Polk updates locals on new changes coming with the Affordable Care Act, the landmark health care reform law
Date:5/1/2013

San Luis Obispo, CA (PRWEB) May 01, 2013

Susan Polk, an expert in San Luis Obispo health insurance, recently issued an advisory to her clients to help them sort out the changes coming from U.S. health care reform called the Patient Protection and Affordable Care Act and commonly referred to as ObamaCare.

The Patient Protection and Affordable Care Act (PPACA), also known as the Affordable Care Act (ACA), ObamaCare, and health care reform, was passed on March 23, 2010, and will be implemented over a ten-year period. The most sweeping changes will occur on January 1, 2014, and will affect everyone, whether covered by health insurance, seeking coverage in health insurance, enrolled in Medicare, or needing health care.

“Some people think that come January 2014, a new insurance card will magically appear in their mailbox,” Polk says. “This is most certainly not true. Enrollment will not be automatic, except in certain circumstances when you participate in an employer group plan of more than 200 employees, and you must make choices among various options, choose a plan, and enroll yourself and family members."

Key points of ObamaCare, explained by Susan Polk, expert in San Luis Obispo health insurance:

The Individual Market and Health Benefit Exchanges

Individual health insurance
All insurance is guaranteed issue, meaning you are guaranteed to get coverage. There are no waiting periods for pre-existing conditions. Higher premiums cannot be charged for any health conditions, although an individual can be charged up to 50% more for smokin
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