What will the overhaul do, and when?

WITHIN A YEAR

* Provides a $250 rebate to Medicare prescription drug plan beneficiaries whose initial benefits run out.

AFTER 90 DAYS

* Provides immediate access to high-risk insurance pools for people who have no insurance because of preexisting conditions.

AFTER SIX MONTHS

* Bars insurers from denying people coverage when they get sick.

* Prevents insurers from denying coverage to children who have preexisting conditions.

* Bars insurers from imposing lifetime caps on coverage.

* Requires insurers to allow young people to stay on their parents’ policies until age 26.

2011

* Requires individual and small group insurance plans to spend at least 80% of premium dollars on medical services. Large group plans would have to spend at least 85%.

2013

* Increases the Medicare payroll tax and expands it to dividend, interest and other unearned income for singles earning more than $200,000 a year and joint filers making more than $250,000.

2014

* Provides subsidies for families earning up to 400% of the poverty level to purchase health insurance.

* Requires most employers to provide coverage or face penalties.

* Requires most people to obtain coverage or face penalties.

2018

* Imposes a 40% excise tax on high-end policies.

BY 2019

* Expands insurance coverage to 32 million more people.

Sources: House speaker, Congressional Budget Office, Kaiser Family Foundation, McClatchy Newspapers