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A new independent appeals process will be established to ensure that consumers can appeal decisions by their health insurance plan (effective six months after enactment).

High-risk insurance pools will be established for uninsured people with preexisting conditions (effective 90 days after enactment).

A temporary re-insurance program will be created to help offset the costs of expensive health claims for employers that provide health benefits for retirees age 55 to 64 (effective 90 days after enactment).

Children up to the age of 26 can remain on their parents' health plan, unless the child is eligible for coverage through an employer (effective six months after enactment).

New private health plans must cover preventive services with no co-payments or deductibles (effective 6 months after enactment).

Health plans will be forbidden from setting lifetime limits on policies (effective six months after enactment). Health plans will have restrictions on annual limits of coverage (effective six months after enactment).

Health plans will not be able to cancel policies because an insured got sick (effective six months after enactment).

Health plans will not be permitted to exclude children under the age of 19 due to pre-existing medical conditions (effective six months after enactment).

Independent Appeals Process:

Uninsured Individuals with Pre-Existing Conditions:

Early Retirees:

Dependent Coverage Extended:

Preventive Health Services:

Lifetime & Annual Limits:

Prohibiting Rescissions:

Pre-Existing Conditions Exclusions for Children:

Health Care Reform: A Timeline for Employers