–Premium rates may vary only by (1) individual or family, (2) rating area, (3) age, except that such rate shall not vary by more than 3 to 1 for adults, and (4) tobacco use, except that such rate shall not vary by more than 1.5 to 1.
–(Secretary shall define the permissible age bands)
–(A health insurance issuer may restrict enrollment to open or special enrollment periods.)
–All coverage is guaranteed renewable.
–Eligibility may not be based on health status, medical condition, claims experience, receipt of health care, medical history, genetic information, evidence of insurability, or disability, (or any other health status-related factor determined appropriate by the Secretary).
–Wellness programs can be offered and can qualify for premium discounts as long as they are offered to all participants.
–Health insurance offered must include an essential health benefits package.
–Group health plans cannot require new employees to wait longer than 90 days for coverage to begin.
–Anyone who has health insurance as of March 21, 2010, can keep their coverage as long as they don’t change it. Adding family members does not constitute a change in coverage.