Kay and her daughter Jill told their moving story as heart survivors and the resulting concerns about their health insurance coverage. As small business owners, struggling to make ends meet in the tough economy, Kay and Jill have worried about how they would find coverage given their pre-existing conditions, if they lost their business. However, thanks to the protections in the new law, they now have the peace of mind that they would have coverage options.
Currently, those who have been uninsured for 6 months or more and have pre-existing conditions may be eligible for a new insurance program, called Pre-existing Condition Insurance Plans. These plans are intended to provide transitional coverage to those who are currently uninsured until January 2014, when additional insurance options and assistance with paying premiums will be made available through state-based health insurance marketplaces called exchanges.