What will the overhaul do, and when?
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WITHIN A YEAR
* Provides a $250 rebate to Medicare prescription drug plan beneficiaries whose initial benefits run out.
AFTER 90 DAYS
* Provides immediate access to high-risk insurance pools for people who have no insurance because of preexisting conditions.
AFTER SIX MONTHS
* Bars insurers from denying people coverage when they get sick.
* Prevents insurers from denying coverage to children who have preexisting conditions.
* Bars insurers from imposing lifetime caps on coverage.
* Requires insurers to allow young people to stay on their parents’ policies until age 26.
2011
* Requires individual and small group insurance plans to spend at least 80% of premium dollars on medical services. Large group plans would have to spend at least 85%.
2013
* Increases the Medicare payroll tax and expands it to dividend, interest and other unearned income for singles earning more than $200,000 a year and joint filers making more than $250,000.
2014
* Provides subsidies for families earning up to 400% of the poverty level to purchase health insurance.
* Requires most employers to provide coverage or face penalties.
* Requires most people to obtain coverage or face penalties.
2018
* Imposes a 40% excise tax on high-end policies.
BY 2019
* Expands insurance coverage to 32 million more people.
Sources: House speaker, Congressional Budget Office, Kaiser Family Foundation, McClatchy Newspapers
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