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Health *care* will not be "free" as a result of the new health reform law. Health *insurance*, however, may be subsidized by the federal government for qualifying low-income individuals and families. These federal subsidies will not be made available until 2014, however. At that time, most Americans will be required to have health insurance, whether obtained through an employer or purchased on their own. If you earn more than $14,400 or less than 400% of Federal Poverty levels ($43,320 for an individual and $88,200 for a family of four in 2009) you may qualify for government assistance to help you cover the cost of your monthly health insurance premiums.

Those making up to 133% of the Federal Poverty levels will be eligible for (free) coverage by Medicare if their state chooses to participate in the expanded coverage program. Currently, not all states have decided to participate in this expansion. Those currently at or below the Poverty level already receive government medical coverage in some form.

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