Changes

=== Requirements for Insurance Companies ===

=== Requirements for Insurance Companies ===

Prohibit bans on pre-existing health conditions in children, lifetime and annual limits on expenses, and limits coverage exclusions of pre-existing health conditions in adults

Prohibit bans on pre-existing health conditions in children, lifetime and annual limits on expenses, and limits coverage exclusions of pre-existing health conditions in adults.

Requires family policies to include children up to age 26

Requires family policies to include children up to age 26.

Does allow states to form compacts in order to allow the interstate sale of insurance

Does allow states to form compacts in order to allow the interstate sale of insurance.

Requires direct access to obstetrical and gynecological care, which might include [[abortion]]

Requires direct access to obstetrical and gynecological care, which might include [[abortion]].

Creates (by 2014) health insurance exchanges or marketplaces that will be state-based and state-administered, but states can opt out of this if certain conditions are met; insurance can be sold within the exchange only if government-approved, but insurance can be sold outside of the exchange

Creates (by 2014) health insurance exchanges or marketplaces that will be state-based and state-administered, but states can opt out of this if certain conditions are met; insurance can be sold within the exchange only if government-approved, but insurance can be sold outside of the exchange.

Prohibits health plans from discriminating against providers, but plans are not required to contract with any provider

Prohibits health plans from discriminating against providers, but plans are not required to contract with any provider.

Requires health plans to develop politically correct language services, community outreach and cultural competency trainings  

Requires health plans to develop politically correct language services, community outreach and cultural competency trainings.

=== Employer Requirements ===

=== Employer Requirements ===