Health care coverage under Medicare, Medicare Part D and other Medicare and private health insurance programs is covered under the federal health care law.
However, health insurance companies are not covered by the law, nor are their employees.
In fact, they can still refuse to cover coverage or charge more for certain health care services.
So, what does that mean?
For more than two decades, the Affordable Care Act has allowed people to buy insurance that covers essential health services, such as prescription drugs and hospitalization.
However — and this is the big one — some people are now being asked to pay more for that coverage than others.
That’s because the law does not cover people who are uninsured.
The ACA does allow certain types of coverage, including Medicaid, but not most other types of insurance, such the Medicare Part A or Part D plans.
In the meantime, insurers have been charging people more for the same health care as before the law.
A Kaiser Family Foundation analysis of a dozen years of Medicare Part C and Medicare Part B plans found that between 2012 and 2019, premiums for some insurance plans rose for the most popular Medicare plan and rose for some of the least popular Medicare plans.
The average increase for the least-expensive plan was 4.3 percent, but it was 6.3% for the cheapest plan.
For some people, the gap between the premium hikes and the price increases can be insurmountable.
So some people have gone to court to try to make it affordable for people to stay covered by their insurance plans.
But the law limits who can sue for damages if the law is broken.
So if you or anyone you know is being charged higher premiums than before, you probably aren’t covered by Medicare or Medicaid, so it’s up to the courts to determine whether you are.