i assume by “insurance costs” you are talking about patients’ spending on medical care in the form of deductibles copayments and coinsurance. for most people the answer is “no”. the health reform law requires that insurers pay the full cost of a wide range of preventive services including cancer screenings immunizations and fda-approved contraceptives. the law places limits on insurance plans’ administrative overhead spending and profits and requires plans to pay for a certain percentage of health care costs (though most plans already satisfy this requirement). it also eliminates insurers’ limits on total lifetime benefits and limits the size of deductibles in small firms’ health insurance plans. some people may be eligible for subsidies to help them offset their out-of-pocket costs on medical care. the health reform law reduces payments to medicare advantage plans (private plans that enroll medicare beneficiaries). enrollees in medicare advantage plans may have to pay more for their care in the future.
will my insurance costs go up under health reform?