How the Affordable Care Act Affects Special Needs Planning

The Patient Protection and Affordable Care Act, also known as the Affordable Care Act or “Obamacare”, was designed with the objective of increasing insurance coverage for all American citizens, including those with disabilities. The health care law includes a mandate to insurance companies that they cover all applicants and offer the same premium rates for applicants, regardless of pre-existing conditions. This is a dramatic reform for families with special needs children. Why? Because prior to the passage of the Affordable Care Act, the only viable health insurance option for their loved one with a special need was Medicaid. The cost...

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