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What the Health Care Reform Means to Moms

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President Obama just signed the landmark health care reform bill. What exactly do these changes mean for moms? Here are the top 10 changes you need to know about ... now.

What Health Care Reform Means to Moms

Young Adults Up to Age 26 Can Remain on Parents' Insurance

Young adults up to the age of 26 will be eligible to remain on their families' health insurance plans. (Right now, the cut-off is 22 years old.)

No More Pre-Existing Conditions

Health insurers cannot deny children health insurance because of pre-existing conditions starting in 2010. (A ban on denying adults insurance for pre-existing conditions will take effect in 2014.)

Every Job Will Now Offer Insurance

All employers will be required to offer their employees insurance by 2014. (Companies with 25 or fewer employees would receive tax credits to help them pay for the insurance.)

No More Lifetime Caps

Lifetime caps on the amount of insurance a person can have will be banned in 2014.

Checkups Will Have No Co-Pays

Annual check-ups will have no co-pays by 2018.

Sick People Won't Pay More

Insurers won't be able to charge higher premiums to people who are sick.

Insurers Can't Cancel Sick People's Insurance

Insurance companies will no longer be able to drop someone when she gets sick.

Restaurants Will Display Calorie Counts

All chain restaurants will be required to display a "nutrient content disclosure statement" on their menus.

Mandatory Insurance

By 2014, most Americans would be required to have health insurance or pay a fine, with the exception of low-income Americans. (Families of four who make lower than $29,327 a year would be eligible for Medicaid, starting in 2014.)

What It Will Cost You

The plan will cost an estimated $940 million. Congress and the president have said that most of it will be paid for through various tax increases on individuals that earn more than $250,000 a year, as well as through decreases in Medicare reimbursements to doctors and hospitals.


Are you for or against this health care bill? Comment below.


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29 comments so far | Post a comment now
Anonymous March 23, 2010, 5:00 AM

“as well as through decreases in Medicare reimbursements to doctors and hospitals”
Great plan, cut services to seniors who need it most to insure the lazy folk who are on welfare. If you ain’t working you don’t deserve us to pay for YOUR insurance.

Carrie March 23, 2010, 11:36 AM

Thank God! I am a business owner who has worked very hard over the past years to make a successful business for myself and my employees (and happen to make over $250,000) Thank you, Obama, for punishing us for our hard work by making us pay for the country to have health insurance. Let’s hope the Supreme Court realizes that this plan is unconstitutional.

JoJo March 23, 2010, 11:37 AM

I don’t understand how so many Republican Christians are against this bill. Aren’t Christians supposed to want to help others?

just sayin March 23, 2010, 1:01 PM

Get over yourself JoJo, if you want to be so helpfully give me your address and I’ll have my bills send directly to you or just shut up. I wasn’t put on this earth to take care of other people who won’t take care of themselves but I’m supposed to somehow for sorry for them and just give away my hard earned money. Oh, and as far as judging me on if I’m a christian or not that is none of your business. Funny how people try to use chrisianity as a way to tell other people to live their life. Should I be a christian and be charitable or should I be a christian and reject all homosexuals? Man, it sucks these days because you just can’t please everyone.

just sayin March 23, 2010, 1:03 PM

Get over yourself JoJo, if you want to be so helpfully give me your address and I’ll have my bills send directly to you or just shut up. I wasn’t put on this earth to take care of other people who won’t take care of themselves but I’m supposed to somehow for sorry for them and just give away my hard earned money. Oh, and as far as judging me on if I’m a christian or not that is none of your business. Funny how people try to use chrisianity as a way to tell other people to live their life. Should I be a christian and be charitable or should I be a christian and reject all homosexuals? Man, it sucks these days because you just can’t please everyone.

DM March 23, 2010, 2:55 PM

The thing is, if you are so mad about paying for other people to receive health care, you should know that you already are! Every time someone who doesn’t have health insurance goes into an emergency room, they are treated. When they can’t pay the bill, the hospital submits for restitution from the state, and the state uses tax dollars to reimburse them. It is much cheaper to pay for preventative services than emergency services, so you’ll be spending less on other people to get health care.
I am also SOOOOOO tired of people trying to say that this give “free” insurance to people who don’t want to work. Are you that naive? There are thousands of people who can’t get insurance because their company doesn’t provide it, and they can not afford to get an individual plan because they cost too much. So if you are working hard, your employer doesn’t give you an option of insurance and you can’t afford the outrageous premiums of an individual plan you don’t deserve to insure yourself and your kids? My God, this is America. We pride ourselves on helping others. Why is everyone so up in arms over a bill that is going to help people?

DM March 23, 2010, 3:02 PM

Oh and way to have a mature debate justsayin. What is with people not being able to discuss the merits of this bill without name calling or being nasty? And by people I mean most of the republicans. If you want to be informed go to factcheck.org. It is a non-party affiliated website that gives the facts and that is it. Stop arguing using talking points and factually inaccurate information.

Anonymous March 23, 2010, 4:32 PM

From what I’ve deciphered, my current $4,000 in combined out-of-pocket and premium costs will at least double by 2014, when it’s likely my husband’s employer will opt to pay a fine rather than continue cost-prohibitive coverage.

I’m a stay-at-home mom who left my job to raise two young children. We’ve been surviving on my husband’s income, but with that type of hit, we won’t make it.

However, if I go back to work at that time, we would lose all tax subsidies and our costs would be three to four times more. Will it really be worth me going back to work if the first $13,000 I earn after-tax has to go toward health care?

At least that’s what I understand as of now. Even our representatives admit that they’re not exactly sure what the bill means, so I can’t be sure…no one can.

That is what makes this so scary.

I am a Republican and like most Republicans I agree with the need for reform. I just don’t believe our government explored all options or considered the majority of Americans.

Yes — take steps to give everyone access to affordable coverage…but don’t completely overhaul a system that works for 85% of the population.

I’m now worried about my family’s financial future…my children’s…and theirs. I think our government and representatives have made a big mistake.

Anonymous March 23, 2010, 4:50 PM

Obamacare sucks!

Anonymous March 23, 2010, 5:38 PM

Something that my husband and I just checked up on last night was about the military health insurance. Thank goodness Obama wasn’t able to change anything with that since it reaches his minimum reqirements.

Steph March 23, 2010, 6:11 PM

Just one of the multiple reasons why this bothers me is because Obama acted like he was going to let the American people decide what to do with healthcare. Well, 70% of Americans disagreed with it, but he went into a back room, signed the 2,000 pages that some leaders didn’t even read, and got it passed. So, tell me, how is that the will of the people?

heartlandmom March 23, 2010, 7:05 PM

What is most concerning to me is that no one appeared to care that so many Americans were against the bill, and their concerns were pushed to the side and ignored and not addressed. Instead we had a big show about a “historic” moment forcing Americans to do something that overwhelmingly they were against. And the whole…let’s read it later and fix it later…doesn’t sound like good policy. What is with the Student Loans even being in this bill? What does that have to do with HC? I didn’t like how Biden said “We will control the insurance companies.” The government has no business “controlling” the private sector. I find this kind of talk very disturbing.

momofthree928 March 23, 2010, 10:55 PM

Wow, what a lot of hostility. I believe that healthcare should be a right and not a privilege. Many people don’t realize how much they are paying today for their premiums if they are getting healthcare from their employers. It is still costing a lot of money out of your pocket. And if you are one of the unemployed (and there are millions of us), then you lose the healthcare and are scared to death that some pre-existing condition is going to prevent you from getting insurance. I’m thrilled that finally a huge improvement is coming. It is the right thing to do and I believe that everyone will benefit.

mercaties March 24, 2010, 8:34 PM

There are certain things about this bill that I agree with and certain things I do not. For instance, My aunt almost died because she had breast cancer and reached her “maximum spending limit” and could not afford the rest of her costs out of pocket even though her husband paid the monthly premiums every month. I myself was almost put on a six month waiting list because I’am a type one diabetic and have a seizure disorder, my doctor had to file a grievance with the state insurance comissioner to force them to cover me, only when I threatend with a lawsuit did they agree to “make an exception” and cover me and. My sister in law makes thirty thousand dollars a year, has three kids and does not qualify for medicaid(her kids do) but her employer wants almost seven hundred dollars a month for coverage for her. I’m not saying I agree with all of Obamas health care plan but something had to be done in this country.

Anonymous March 24, 2010, 10:02 PM

Barrack Obama is the Antichrist!!! go to google type in “Did Jesus Christ give us the name of the Antichrist”

Anonymous March 25, 2010, 4:54 AM

It means that I who work 2 jobs and my husband who works full time will be paying for the 15% of uninsured people who know how to work the system. Get a job and pay for your own insurance. It’s what I did.

michelle March 25, 2010, 10:15 AM

Anonymous, you know nothing. You were already paying for these uninsured people. Now rich people will be paying more and you will be paying less. What is bad about that? I bet you paid huge $$ for your insurance and out-of-pocket costs, too, and it was only going to get worse. Most people never do the math and figure out how much they are actually paying for health care.

Jillian March 25, 2010, 12:34 PM

Actually, the best thing to do is say you don’t speak english and are in the country illegally and you can get free healthcare.

sun life insurance March 25, 2010, 2:20 PM

US can save a lots of money by reducing its unnecessary military expenses. The saved money can be than be put into Health Care Reform. As a matter of fact, US can go back to its pre WWII neutrality policy. Neutrality made Switzerland and Sweden rich.

karen March 25, 2010, 4:01 PM

Not the Federal Governments job per the Constitution!

WE need to turn this around people. Especially us 30 somethings with 2 incomes making just over 200,000 now will pay 60% to Gov in taxes off of that total [NY]…and….it get’s even worse. Your insurance preiums will double also by late 2018. There are a boatload of hidden caveats in this law we better pray it gets declared unconstitutional and or repealed!!


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