Welcome to the DOI   Follow IdahoDOI on Twitter  Families and
Individuals  Health Care Reform logo  Q: When does the health
care reform law take effect?  A: The health insurance reforms
adopted as part of the Patient Protection and Affordable Care
Act (PPACA), and the subsequent reconciliation bill, were
phased-in over several years. Most provisions were effective
January 1, 2014. However, some new protections were implemented
when plans renewed after September 23, 2010. For more
information on when certain provisions become effective, check
the current timeline.  Q: What should I do if my insurance
company rescinds my coverage?  A: If your insurance company
“rescinds,” or retroactively cancels, your health insurance
coverage, it will be required, in plan years beginning September
23, 2010 or later, to provide advance notice of its intention to
do so, and may only do so if you committed fraud or made an
intentional misrepresentation of an important fact on your
application. If your insurer notifies you that i