Data & Resources
Patients Bill of Rights Fact Sheet
On March 23, 2010 President Obama signed the Affordable Care Act into law. The landmark new law has put into place comprehensive health insurance reforms that will: (1) hold insurance companies accountable, (2) lower health care costs, (3) guarantee more health care choices, and (4) enhance the quality of health care for all Americans.
On September 22, President Obama marked the six month anniversary of the law’s enactment by meeting with Americans from across the country who will benefit from the new law and celebrate the implementation of the Patient’s Bill of Rights that was included in the Affordable Care Act.
Additionally, the Administration will release state-by-state reports detailing the impact of the Affordable Care Act and a revamped website – www.WhiteHouse.gov/HealthReform -- which includes information on the impact of the law and stories from Americans in all 50 states who are benefiting from the Affordable Care Act.
Six Months of Progress
In addition to implementing the Patient’s Bill of Rights, the Obama Administration has worked to deliver other benefits of reform to the American people. In the last six months, the Administration has:
Fought Waste, Fraud and Abuse: The Affordable Care Act includes robust new tools that will help fight fraud and protect taxpayer dollars. Using these new tools, HHS Secretary Kathleen Sebelius has pledged to cut Medicare’s error rate (the percentage of claims paid inappropriately) in half by 2012. A proposed regulation that implements the first round of Affordable Care Act policies to combat Medicare and Medicaid fraud was issued on September 17.
Helped Fight Premium Increases: The Affordable Care Act also includes critical new resources and authorities to crack down on unjustified rate hikes. Today, 46 states are using resources under the new reform law to pass or strengthen premium rate review laws which will have a significant impact on keeping year-to-year increases in premiums low. In a number of states (California, Massachusetts, Maine) regulators have already reviewed and rejected these proposed increases. We expect this pattern to continue. The Administration has also been working on rules that require insurance companies to spend at least 80 percent of premium dollars on health care instead of overhead, salaries or administrative expenses, in 2011. If they fail to do so, they will be required to provide rebates to consumers.
Offered Support for Small Businesses: Under the Affordable Care Act, up to 4 million small businesses nationwide could qualify for a small business tax credit this year, which will provide a total of $40 billion in relief for small firms over the next 10 years. Small businesses have been notified of these tax credits and can make plans knowing the credits will help bring down their health care costs.
Helped Make Prescription Drugs More Affordable: More than 1 million seniors who have fallen into the prescription drug coverage gap known as the donut hole have received $250 rebate checks. The checks are the first step toward closing the donut hole in 2020.
Launched a New Website to Make it Easier to Find Coverage: On July 1, the Administration launched www.HealthCare.gov. www.Healthcare.gov is a new, easy to use website that helps consumers take control of their health care and make the choices that are right for them by putting the power of information at their fingertips. The website is the first of its kind to bring information and links to health insurance plans and other coverage options to one place, making it easier for consumers to learn about their insurance options. The site includes extensive, easy to understand information about patients’ rights, how to navigate the current insurance market, and how the Affordable Care Act will help them. A Spanish language version – www.CuidadodeSalud.gov – was launched on September 8, and additional pricing information will be added on October 1.
Started Covering Individuals With Pre-Existing Conditions: On July 1, the Administration announced the establishment of the Pre-Existing Condition Insurance Program to provide coverage for eligible Americans who have been uninsured for six months because of a pre-existing condition. Coverage started in 47 states by August, and will be provided in all states by the end of September.
Provided Employers Support to Cover Early Retirees: On August 31, the Administration announced that over 2,000 employers and unions across all fifty states had been approved to receive help to pay for their early retirees’ health care through the Early Retiree Reinsurance Program. This program will help many older Americans, who are not yet eligible for Medicare, continue to have quality affordable coverage through their employer.
