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What, and when?

Monday, March 22, 2010; A11

The effective dates of major provisions of the health-care overhaul legislation:

Within a year

-- Provides a $250 rebate to Medicare prescription drug plan beneficiaries whose initial benefits run out.

90 days after enactment

-- Provides immediate access to high-risk pools for people who have no insurance because of preexisting conditions.

Six months after enactment

-- Bars insurers from denying people coverage when they get sick.

-- Bars insurers from denying coverage to children who have preexisting conditions.

-- Bars insurers from imposing lifetime caps on coverage.

-- Requires insurers to allow young people to stay on their parents' policies until age 26.

2011

-- Requires individual and small group market insurance plans to spend 80 percent of premium dollars on medical services. Large group plans would have to spend at least 85 percent.

2013

-- Increases the Medicare payroll tax and expands it to dividend, interest and other unearned income for singles earning more than $200,000 and joint filers making more than $250,000.

2014

-- Provides subsidies for families earning up to 400 percent of the poverty level -- or, under current guidelines, about $88,000 a year -- to purchase health insurance.

-- Requires most employers to provide coverage or face penalties.

-- Requires most people to obtain coverage or face penalties.

2018

-- Imposes a 40 percent excise tax on high-end insurance policies.

By 2019

-- Expands health insurance coverage to 32 million people.

SOURCES: Speaker of the House, Congressional Budget Office, Kaiser Family Foundation

-- McClatchy Newspapers

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