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The campaign is on to educate the public about the Affordable Care Act’s insurance exchanges or marketplaces. Here’s a 1:43 minute animated video created by the government.  We’ll be tracking this campaign and ways local communities are taking on this challenge to educate folks and assist them to get health insurance coverage under the new law. Stay tuned.

[youtube=http://www.youtube.com/watch?feature=player_embedded&v=E45xOGIcGWo]

The campaign is on to educate the

This post is written by Veronica Arreloa  and was published on July 26, 2013 on the broad side. It is reposted here with their permission.

Sebelius-VIAThis week a little boy was born in London. One day he will grow up to be the King of England. This week a little boy was born in Chicago. Who knows what he will grow up to be. One thing we do know is that the future king’s birth most likely cost half as much as baby boy Chicago.

The state and cost of health care in the USA is why the Affordable Care Act is an important piece of legislation. I am unsure if the cost of health care will go down under Obamacare (I hear it won’t), but we do know that everyone will be mandated to have insurance. This, hopefully, should put health care in the affordable category for most of us. But will it help minimize health disparities in the US? This is what I askedSecretary of Health and Human Services Kathleen Sebelius.

I was fortunate to have 10 minutes to talk with the Secretary just after she finished addressing BlogHer’s pre-conference attendees.

I specifically wanted to know how Obamacare would address the facts that Latinas are three times more likely than non-Hispanic white females to have teenage pregnancies and 2.3 times as likely to have late or no prenatal care when compared to non-Hispanic white women. Her response was that there are 7 million plus eligible for Obamacare and that will be a big step. She pointed out that prenatal care will be in every package, as will maternity coverage. Maternity care was not guaranteed in current policies and most women did not realize it was not covered until they got pregnant. Her point is that the lack of prenatal care is directly connected to a lack of insurance coverage.

In addition to insurance coverage, Obamacare will be expanding “the footprint” of community health centers. Secretary Sebelius says this will help increase medical care in neighborhoods, thus increasing one’s ability to access health care. She visited one after our conversation. As with increased insurance coverage, the increase in community health centers means that it will be less likely that someone will have to take three buses to get prenatal care.

I circled back to the high rate of teen pregnancies in the Latino community. I made, hopefully she thought a respectful, comment that one reason many people were upset over the Administration’s stance on Plan B was the high teen pregnancy rate. If teens could have access, without ID or prescription, perhaps we could save them from having to make other choices in connection to an unwanted pregnancy. Sebelius said that whether it is Plan B or contraceptive coverage without cost will be a big step forward. She attributes our overall high teen pregnancy rate, as compared to the rest of the world, to the inaccessibility to birth control due to cost. The unfortunate thing about having only 10 minutes is that leaves you having to decide to push back on a question or continue to ask more questions. I decided to keep going…

Next I wanted to know what bloggers and social media users can do to help get the word out about pre-enrollment for Obamacare. Not only is there a website [Spanish | English] we can direct friends, family and neighbors to, but there is a 24/7 call center that can accept calls from people in 151 languages! There will also be person-to-person outreach through partnerships with community organizations. Sounds like there will be ways to help promote Obamacare from our phones or in person to our neighbors.

It was disappointing to hear her discuss insurance coverage as the solution to health disparities. I know it’s a big step forward, but I am not sold that it will address why the average Latina experiences pregnancy in a vastly different way than the average White woman. I do have to agree with her that increased insurance coverage is a big step forward. I am just unsure of how many big steps we need to take to see disparities disappear. If Obamacare is a big step, let’s keep taking more of them!

Veronica Arreola writes the blog Viva la Feminista, where she tries to navigate and understand the intersection between feminism, motherhood and her Latinadad. You can follow her on Twitter@veronicaeye

This post is written by Veronica Arreloa  and

According to a New York Times article earlier this month, the Affordable Care Act may actually live up to its promise of making health insurance affordable for individuals and families who currently pay too much or are uninsured or underinsured.

As of October 1, 2013, state and federal health exchanges will offer people who cannot get adequate coverage through their employers a marketplace for health insurance coverage at four levels: bronze, silver, gold and platinum. The health plans will be categorized into these levels on the basis of offerings and price. In New York, people who are now paying $1,000 a month for coverage not provided by an employer could pay only $308 a month.

uninsuredSubsidies will be offered according to the person’s ability to pay and the level of the plan they have selected. The silver level will be used as the benchmark. So if someone purchases a gold or platinum level plan, their subsidy will not be as much as those who purchase the bronze or silver plans. And the individual’s or family’s annual gross income will also determine how much the subsidy will be. People with incomes up to 400% of the poverty level will be eligible for subsidies. An individual earning $17,000 a year would pay about $55 a month for the silver plan.

Not all states are forming health exchanges (people living in states that have opted out will be able to access a federal exchange), and those that do are varying in their approach. But California and other states are locking in lower premium prices for insurance coverage offered through their health exchanges (businesses that particiate in the exchange are unlikely to see the same cost reductions, at least for now). How is this happening? First, competition is forcing insurance companies to lower their prices. New players are entering the insurance market, including large health systems such as North Shore-LIJ Health System. Second, the individual mandate and the subsidies will spur more people who previously went without coverage to now buy it.

According to a New York Times article earlier this month, the Affordable Care Act may actually live up to its promise of making health insurance affordable for individuals and families who currently pay too much or are uninsured or underinsured.

As of October 1, 2013, state and federal health exchanges will offer people who cannot get adequate coverage through their employers a marketplace for health insurance coverage at four levels: bronze, silver, gold and platinum. The health plans will be categorized into these levels on the basis of offerings and price. In New York, people who are now paying $1,000 a month for coverage not provided by an employer could pay only $308 a month.

uninsuredSubsidies will be offered according to the person’s ability to pay and the level of the plan they have selected. The silver level will be used as the benchmark. So if someone purchases a gold or platinum level plan, their subsidy will not be as much as those who purchase the bronze or silver plans. And the individual’s or family’s annual gross income will also determine how much the subsidy will be. People with incomes up to 400% of the poverty level will be eligible for subsidies. An individual earning $17,000 a year would pay about $55 a month for the silver plan.

Not all states are forming health exchanges (people living in states that have opted out will be able to access a federal exchange), and those that do are varying in their approach. But California and other states are locking in lower premium prices for insurance coverage offered through their health exchanges (businesses that particiate in the exchange are unlikely to see the same cost reductions, at least for now). How is this happening? First, competition is forcing insurance companies to lower their prices. New players are entering the insurance market, including large health systems such as North Shore-LIJ Health System. Second, the individual mandate and the subsidies will spur more people who previously went without coverage to now buy it.