For this episode, I read the entire Patient Protection and Affordable Care Act. The following is a resource for finding information within the Patient Protection and Affordable Care Act. My goal was to highlight the portions of the bill that will most directly affect our lives and put them into plain, understandable English. I'd also like for you to be able to find the text that makes these rules within the bill. The easiest way to search within a bill is by section number. You'll have to read a bit to find exactly what you're looking for, but this outline will tell you which section you can find the different provisions in. Anything "in quotes" is exact text from the bill. There are two versions of the Patient Protection and Affordable Care Act (Public Law 111-148) you can read. This version is 906 pages. This version is 2,409 pages (the margins and the font are bigger). If you are going to attempt to read the Patient Protection and Affordable Care Act, you must know that Title X amends the first nine titles and The Reconciliation Act amended the whole bill. This means that the law is often not what the text says. Here is a section by section summary of the changes made by Title 10 and the Reconciliation Act. This document was provided to the United States Senate for clarification. TITLE I: "QUALITY, AFFORDABLE HEALTH CARE FOR ALL AMERICANS Subtitle A: "Immediate Improvements in Health Care Coverage for All Americans" Section 1001: Rules on health insurance minimums that became effective immediately Insurance company can't drop you when you get sick, unless you committed fraud Health insurance plans have to provide - at no extra charge: All of the preventatives services on this list Immunizations Preventative care screenings for kids Kids can stay on their parent's insurance plans until their 26th birthday Insurance companies must cover at least 60% of medical payments The health insurance companies need to provide customers with a summary of benefits, which can only be 4 pages long with a minimum of 12-pt font and must include limitations, co-payments, deductibles, and percentage of medical costs covered by the insurance company. If they fail to provide the summary, the health insurer has to pay $1,000 for each customer who didn't receive it Employers are not allowed to only offer coverage to their high-paid employees Section 1001 as changed by amendment (See Section 10101): No lifetime limits or "unreasonable annual limits" on the value of benefits for any customer They can place limits on things that are not essential health benefits Gun ownership health dangers must be ignored: Prevention programs can not collect information related to the presence of guns or ammunition in someone's home Premium rates can not be affected by the presence of a gun in someone's home Medical Loss Ratio Health insurance companies covering large groups must spend 85% of your premiums on you, or they have to issue a rebate check. Health insurance companies covering people in the individual market or small groups through exchanges have to spend 80% of your premiums on you or issue a rebate check. Hospitals must publish a list of standard charges for their services. Health insurance companies have to let you go to any primary care doctor that you choose and who can accept you The insurance company must have an appeals process for customers and must continue coverage while claims are in appeals If you get treatment in an out-of-network emergency room, your health insurance has to pay for those services. Health insurance companies can't require prior approval for emergency services. Health insurance companies can not require advance approval to go to get gynecological services. Section 1003: Premium Increase Reviews The Federal government and the States will review annual premium increases. States can recommend that a health insurance company be excluded from the exchange for unjustified premium increases. Subtitle B: "Immediate Actions to Pr