What Are Some Important Parts of H.R.3200 America's Affordable Health Choices Act of 2009?


Quick Answer

The America’s Affordable Health Choices Act of 2009 limits the annual expenses out of pocket to $5,000 for an individual and $10,000 for a family. The bill also provides affordable premium credits for individuals and families with low income to pay their insurance premiums, according to Congress.gov.

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The America’s Affordable Health Choices Act of 2009 requires the provision of essential benefits by qualified health benefits plans, reports Congress.gov. The bill prohibits imposing lifetime coverage limits by an essential benefits package. The act covers services such as maternity care, hospitalization, preventive services and prescription drugs.

The provisions of the America’s Affordable Health Choices Act of 2009 govern health insurance plans and issuers. The act prohibits exemptions of grandfathered health insurance coverage from requirements of the act, Congress.gov explains. The act also prohibits exclusions of pre-existing conditions or the unreasonable rescission of insurance health coverage. The act sets forth provisions to enable reduction of fraud in health care.

The Affordable Health Choices Act requires employers make specified contributions to cover health benefits for employees. The act exempts businesses whose payrolls are below $250,000 from the requirement, notes Congress.gov. In relation to the health workforce, the act sets forth provisions establishing the public health workforce corps. It also addresses the needs of health care workforce through loan repayment.

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