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Page 66
The Dispatch/Maryland Coast Dispatch
May 10, 2013
MONEY SENSE
Health Care Reform’s Impact On Your Retirement
OCEAN CITY – While there is still some debate about various aspects of the Patient Protection and Affordable Care Act (ACA), it is highly unlikely to be repealed anytime soon. As its provisions continue to be implemented, this is a good time to take another look at how some of the ACA's key elements might affect those approaching or thinking about retirement. Additionally, it's also important to look at some of the things the ACA doesn't cover. To meet its goal of near-universal health care coverage, the ACA removes some restrictions that many individuals, including those who retire early, have come up against when attempting to buy private health insursign up for coverage through the exance. Effective Jan. 1, 2014, health changes starting in October 2013.) insurers will no longer be able to deny Some states have already indicated coverage or charge higher premiums that they will opt out of the system; in if you have a pre-existing those instances, the federal medical condition, exclude government steps in and particular benefits based on builds an exchange for those health status or impose annustates. al or lifetime limits on insur"In theory, premiums should ance payments with respect be more affordable when you to "essential health benefits." buy insurance through the exchanges," says Laura GroganAdditionally, a new system O'Mara, director, Legislative of state-based health insurand Public Policy, Bank of ance "exchanges" will let individuals and small businesses BRIAN SELZER America Merrill Lynch. "Because everyone is required to have incompare the prices and benefits of surance, the pool of insured people competing health plans beginning in should be larger and include younger, January 2014. (People will be able to healthier people, which should reduce insurers' risk and result in lower rates." That could help those who retire early or work part time and need to buy private coverage until they reach age 65, when they become eligible for Medicare. Another issue that the ACA attempts to address is the so-called doughnut hole in Medicare Part D prescription coverage. This gap refers to the fact that beneficiaries who opt for Medicare Part D prescription coverage may be forced to pay a portion of their annual costs entirely out of pocket. In 2009, people age 65 and over spent an average of 8.1 percent
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