What's in the Bill and when does it start?

The Wall Street Journal gives some details of what's in the bill and when each part kicks in.

2010

Coverage

Subsidies begin for small businesses to provide coverage to employees.
Insurance companies barred from denying coverage to children with pre-existing illness.
Children permitted to stay on their parents' insurance policies until their 26th birthday.

2011

Coverage

Set up long-term care program under which people pay premiums into system for at least five years and become eligible for support payments if they need assistance in daily living.

Taxes and fees

Drug makers face annual fee of $2.5 billion (rises in subsequent years).

2013

Taxes and fees

New Medicare taxes on individuals earning more than $200,000 a year and couples filing jointly earning more than $250,000 a year.
Tax on wages rises to 2.35% from 1.45%.
New 3.8% tax on unearned income such as dividends and interest.
Excise tax of 2.9% imposed on sale of medical devices.

Cost control

Medicare pilot program begins to test bundled payments for care, in a bid to pay for quality rather than quantity of services.

2014

Coverage

Create exchanges where people without employer coverage, as well as small businesses, can shop for health coverage. Insurance companies barred from denying coverage to anyone with pre-existing illness.
Requirement begins for most people to have health insurance. Subsidies begin for lower and middle-income people. People at 133% of federal poverty level pay maximum of 3% of income for coverage. People at 400% of poverty level pay up to 9.5% of income. (Poverty level currently is about $22,000 for a family of four.)
Medicaid, the federal-state program for the poor, expands to all Americans with income up to 133% of federal poverty level.
Subsidies for small businesses to provide coverage increase. Businesses with 10 or fewer employees and average annual wages of less than $25,000 receive tax credit of up to 50% of employer's contribution. Tax credits phase out for larger businesses.

Taxes and fees

Employers with more than 50 employees that don't provide affordable coverage must pay a fine if employees receive tax credits to buy insurance. Fine is up to $3,000 per employee, excluding first 30 employees.
Insurance industry must pay annual fee of $8 billion (rises in subsequent years).

Cost control

Independent Medicare board must begin to submit recommendations to curb Medicare spending, if costs are rising faster than inflation.

2016

Taxes and fees

Penalty for those who don't carry coverage rises to 2.5% of taxable income or $695, whichever is greater.

2017

Coverage

Businesses with more than 100 employees can buy coverage on insurance exchanges, if state permits it.

2018

Taxes and fees

Excise tax of 40% imposed on health plans valued at more than $10,200 for individual coverage and $27,500 for family coverage.

—Sources: House bill; Kaiser Family Foundation