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Health Reform and You
You may be wondering about how -- and when -- healthcare reform will affect you. Nothing will be certain unless and until Congress approves final legislation and President Obama signs it into law. Under current proposals, most health insurance reforms would not occur until 2013. So, if you've been waiting to apply for new coverage, don't wait any longer. We can help you and your family right now and you can cancel at any time.
How would health insurance reform affect you?
Individual & Family health insurance will not go away. All the reform proposals include the continuation of the kinds of health insurance we provide today through McKnight & McKnight, including Individual & Family health insurance, Short-Term health insurance, and Small Business health insurance.
Personal health issues -- Reform proposals would prohibit insurance companies from denying coverage based on pre-existing conditions. This means everyone, regardless of health status, would qualify for coverage.
Coverage may be mandatory -- Most of the reform proposals include a requirement that everyone have health coverage or pay a penalty for going without, to prevent people from simply waiting until they get sick before they buy health insurance.
Health insurance will not be "free" -- Reform proposals seek ways to lower the cost of health care and health insurance, but there are no guarantees. If more affordable public, non-profit, or private options become available as a result of reforms, you may cancel any plan purchased and buy a lower cost option in the future. Of course, we continually strive to bring you a choice of health insurance options that represent the best cost and benefit value currently approved by the insurance authorities in each state.
If enacted, reforms will take time -- Reform legislation will not be implemented overnight. Most reforms now being considered would not take effect until 2013. So, don't wait any longer to protect your health and financial security. | 
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