What is the Same

Existing Medical Assistance (MA) Programs

If you were on Medical Assistance (MA) before 2014, the most important thing to know about MA and health care reform is that nothing has to change about your coverage. You are able to keep the coverage and benefits that you had before 2014.

There are some changes that happened in MA, but they are changes that expanded coverage to more people, and did not take it away from anyone.

If you were not on MA before 2014, you might be able to get it under the new rules. You can read more about the changes to MA later in this article.

Existing Medicare Programs

The most important thing to know about Medicare and health care reform is that if you were on Medicare before 2014, your coverage didn't change. You can keep getting your Medicare coverage, and your benefits stay the same, whether you are on Original Medicare or Medicare Advantage.

The Affordable Care Act (ACA) did make some small changes to Medicare. You can read more about these changes later in this article.

Employer-Based Coverage

Under the ACA, after 2015 most employers will be required to provide coverage or pay a fine if they don’t (small businesses with fewer than 50 employees won’t have to pay a fine). This may make employer-sponsored health coverage more widely available.

In general, you will be able to keep your employer-based coverage as long as your employer chooses to keep offering it. Just like before health care reform, most Americans still get their health coverage through an employer. However, if your employer decides to stop offering coverage, there are many other options not based on your job, such as MNsure.

For more information on employer-based coverage, read the DB101 article on Employer-Sponsored Coverage.