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25 Voice Experience 1 (2013-2014)

handle is hein.aba/voiex0025 and id is 1 raw text is: * A I. I I. * :1 S S p p ACA Highlights: How the New Law Affects Seniors and their Families By Michael A. Kirtland and Catherine A. Seal A ith the re-election of Barack Obama as forty- fourth president of the United States, we now have some certainty concerning federal health- care legislation and its impact for the future. The Patient Protection and Affordable Care Act, commonly known as Obama Care and, for pur- poses of this article, the Affordable Care Act or ACA, was signed into law by the president on March 23, 2010, but its provisions are designed to be phased into law over a number of years. As a result of passage of the ACA, a number of state attorneys general challenged the constitutionality of the Act, with the U.S. Supreme Court deciding in favor of consti- tutionality by a split decision. In the recent presidential election, the Republican candidate had vowed as part of the party platform to repeal the legislation, causing concern and confusion as to what future health- care policy in the United States would look like. While opponents in Congress may still seek repeal, with the reelection of President Obama and the make-up of the Congress, it is likely the law will phase into existence as planned. Some portions of the law have already been phased in. These include some of the more popu- lar portions of the Act. Under the new law already in effect, children can be kept on their parent's health insurance until reaching age 26. This provision allows college students and adult children in jobs that do not pro- vide health insurance coverage to be provided health insurance while they are in school and as they begin their careers, instead of having to go with- out healthcare coverage, as had often been the case in the past. As of 2010, insurance providers could no longer deny coverage to adults with preex- isting conditions or to minor children with preexisting conditions. Further, the law eliminates lifetime limits continued on page 12 image: iStockphoto Published in Voice of Experience, Volume 25, Number 1, 2013. © 2013 by the American Bar Association. Reproduced with permission. All rights reserved. This information or any portion thereof may not be copied or disseminated in any form or by any means or stored in an electronic database or retrieval system without the express written consent of the American Bar Association.

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