The Five Keys to Health Reform's Success or Failure

Will it work? And how will it work? A guide to what the new law will mean for costs, Medicare, doctors, the states — and you

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2010

healthcare pre existing condition

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The Uninsured: Receive immediate access to coverage through high-risk pools if they are uninsured because of pre-existing conditions; children can remain on parents' plans until they are 26

Insurers: Barred from removing coverage when a person gets sick, denying coverage to kids with pre-existing conditions and imposing lifetime coverage caps

Employers: Small businesses can receive tax credits to purchase insurance for employees

Medicare Prescription-Drug Beneficiaries: Receive a $250 rebate when they hit the "doughnut hole" gap in drug coverage (currently, when enrollees pass $2,700 in costs, they lose coverage until they reach $6,154)

See how to navigate the Medicare maze during retirement.

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