Health Care Reform

The new health care law — called the Affordable Care Act — was passed in 2010. The law is changing the way some Americans get health coverage. It may seem confusing and complex right now, but we know that it will touch each of us in some way.

One of the most important things to know is that the law is increasing access to care for you and your family.

• Starting in 2014, you will be able to buy private health insurance if you want it, or see if you qualify for a government health plan.
• The new law gives access to coverage to every person, despite any preexisting conditions or other issues that may have prevented you from getting health insurance in the past.
• You will also have access to preventive services and screenings without paying anything out of pocket, to help you stay healthier by preventing health problems, or catching them before they become much more serious.

Understanding Health Care Reform

Starting in 2014, most people will be required to have health insurance or pay a penalty. Coverage can be through your employer, an insurance company, a government program such as Medicaid or Medicare, or insurance bought on the health insurance exchange. Learn about the exemptions to this rule and other key features you should be aware of.

Timeline of Changes

Some changes are happening now. The biggest change for consumers comes in 2014, when almost everyone in the U.S. will be required to have health insurance. Learn what's changing now and what's coming down the road.

A New Way to Get Insurance: Health Insurance Exchange

There will soon be a new way to buy health insurance online: the health insurance exchange. The exchange is a new government website designed to help you find health insurance that fits your budget, in an easy way. Learn more about the exchange.

Next Steps: Preparing for 2014

There are so many benefits to the new law. Blue Cross and Blue Shield of Illinois is here to help you understand them, so you can make the best decisions for you and your family. Learn what you can do now to help make sure you're ready for 2014.