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Despite opposition from Republican lawmakers, the major provisions of the Affordable Care Act will go live in California on January 1st, bringing new entitlements for individuals and small businesses, but also obligations and higher premiums. By taking action in the final months of 2013, many individuals and businesses can lock in this year's lower prices for most of 2014. Others will prefer the 2014 benefits and should begin researching their options now. On January 1st, 2014: A new premium tax will be imposed on all existing and newly sold health plans, no exceptions. Guaranteed Issue comes to individual plans—applicants can no longer be declined, or see their premiums raised, for pre-existing conditions. (Small Group plans have had this benefit for years.) Guaranteed Issue individual plans will be sold during an annual Open Enrollment Period; the first one begins Oct 1 for the January 1 effective date. MediCal is greatly expanded, possibly...
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