WASHINGTON — Here are the effective dates of major provisions of the health care overhaul legislation approved Sunday:
WITHIN A YEAR
- Would provide a $250 rebate this year to Medicare prescription drug beneficiaries whose initial benefits run out.
90 days after enactment:
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- Would provide immediate access to high-risk pools for people with no insurance because of pre-existing conditions.
Six months after enactment:
- Would bar insurers from denying people coverage when they get sick.
- Would bar insurers from denying coverage to children with pre-existing conditions.
- Would bar insurers from imposing lifetime caps on coverage.
- Would require insurers to allow people to stay on their parents' policies until they turn 26.
- Would require individual and small group market plans to spend 80 percent of premium dollars on medical services. Large group plans would have to spend at least 85 percent.
- Would increase the Medicare payroll tax and expand it to dividend, interest and other unearned income for singles earning more than $200,000 and joint filers making more than $250,000.
- Would provide subsidies for families earning up to 400 percent of poverty level, currently about $88,000 a year, to purchase health insurance.
- Would require most employers to provide coverage or face penalties.
- Would require most people to obtain coverage or face penalties.
- Would impose a 40 percent excise tax on high-end insurance policies.
- Would expand health insurance coverage to 32 million people.
Sources: Speaker of the House, Congressional Budget Office, Kaiser Family Foundation.