Henry J. Kaiser Family Foundation, Washington, DC, USA.
Cancer J. 2010 Nov-Dec;16(6):572-6. doi: 10.1097/PPO.0b013e3181ff292a.
The Patient Protection and Affordable Care Act will make health coverage more available and affordable while also strengthening regulations on the scope of private health insurance coverage. Most of the law's key provisions take effect in 2014, at which time health insurers will be barred from charging more or denying coverage for individuals with a pre-existing condition. Also in 2014, qualifying individuals will receive subsidies to purchase private insurance through newly created health insurance exchanges. New rules related to caps on benefits and stronger rights to appeal insurance company decisions take effect in 2010. In 2014, all insurance policies sold to individuals and small groups will have to cover an essential benefits package defined by the federal government. Although many Patient Protection and Affordable Care Act provisions do not apply to all types of private coverage, overall the law will provide more protections to cancer patients and survivors in the private health insurance marketplace.
《患者保护与平价医疗法案》（Patient Protection and Affordable Care Act）将使医疗保险更普及、更实惠，同时加强对私人医疗保险覆盖范围的监管。该法律的大部分关键条款将于 2014 年生效，届时，健康保险公司将不得对有既往病史的个人收取更高的保费或拒绝承保。同样在 2014 年，符合条件的个人将通过新创建的医疗保险交易所获得补贴，以购买私人保险。与福利上限和加强对保险公司决定的上诉权相关的新规定将于 2010 年生效。2014 年，出售给个人和小团体的所有保险单都必须包含联邦政府定义的基本福利套餐。尽管《患者保护与平价医疗法案》的许多条款并不适用于所有类型的私人保险，但总体而言，该法律将为私营医疗保险市场的癌症患者和幸存者提供更多的保护。
