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Wednesday, March 31, 2010  

Individual Health Insurance for Kids Still Difficult for Some

With the signing of the health care reform bill the Obama administration erased the ability for health insurance companies to deny individual health insurance to children with pre-existing conditions.

That is, in six months or so.

But already many health insurance companies may be looking for loopholes to avoid the coverage. Thankfully, media coverage of this trend already has lawmakers taking the initiative.

ABC News' article on children's insurance and the health care reform bill, HHS secretary Kathleen Sebelius states that she will "issue regulations to make insurance companies obey the more inclusionary language of the law."

This includes offering individual health insurance for children regardless of any pre-existing conditions the child may be suffering from by September of this year.

Other laws soon to take effect will include a reimbursement of up to $250 for seniors who fall into the infamous "donut hole" between Medicare Part D and the cost of their prescription drugs.

There will also be a buy-in later this year for a health insurance pool designed for people who are very sick, but don't have insurance at all.

The mandate requiring that all Americans have employer provided or individual health insurance won't take effect until 2014, when more affordable insurance cooperatives will be up and running in each state.



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