ObamaCare stands: An overview of the law’s provisions

The federal health care overhaul stands, after the Supreme Court ruled Thursday that the so-called individual mandate is constitutional.

Here’s a sampling of some of the most significant provisions that will remain as a result of that decision.

Individual mandate: Requirement that most Americans obtain health insurance or pay a fine, starting in 2014.

Young adult coverage: Already in effect, dependent children can stay on parents’ plan up to age 26.

Tanning tax: Already in effect, a 10 percent tax on indoor tanning services.

First phase of consumer protections: Already in effect, a prohibition on lifetime limits for insurance coverage. No denying coverage to children based on pre-existing conditions. Restrictions on annual coverage limits.

Medicare plan tax: An increase in the Medicare Part A tax rate by .9 percent, for those making over $200,000 ($250,000 for households), set to go into effect in 2013.

Health insurance exchanges: The creation of state exchanges across the country where consumers can shop around for insurance plans, set to take effect in 2014.

Second phase of consumer protections: Guaranteed coverage regardless of health, and a prohibition on annual coverage limits.

Employer coverage mandate: Requirement that businesses with more than 50 workers offer coverage or pay a fine, set to take effect in 2014.

Tax credits: Tax credits and subsidies available to individuals making up to 400 percent of federal poverty line, for insurance coverage – set to take effect in 2014.

Medicaid expansion: Massive expansion of Medicaid set to go into effect in 2014. Roughly 16 million Americans were expected to be covered under this expansion. The court, however, reined in this provision by prohibiting the federal government from penalizing states that don’t comply by withholding existing Medicaid funds — it’s unclear how this affects the expansion.


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