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ACA Plans
The Affordable Care Act brought major reform to the United States healthcare system. This policy was designed to make healthcare more affordable for the average American and introduced helpful changes like premium tax credits and essential health benefits. It also enforced the rule that individuals could not be denied coverage due to prior health conditions.
If you are shopping for health insurance, an ACA plan may be right for you. Keep reading to find out more about ACA coverage.
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What Is The ACA?
The Affordable Care Act was designed to reduce the cost of health insurance coverage for people who qualify for it. The law introduced cost-sharing reductions and premium tax credits to lower expenses for low-income families and individuals. These plans require ten essential benefits and preventive health services must be provided to policyholders at no additional cost.
ACA Benefits
ACA plans are required to have ten essential benefits. These benefits are as follows:
- Ambulatory patient services
- Breastfeeding
- Emergency services
- Family planning
- Hospitalization
- Laboratory services
- Mental health and substance use disorder services
- Pregnancy, maternity, and newborn care
- Prescription medications
- Preventive and wellness services and chronic disease management
- Pediatric services
- Rehabilitative and habilitative service
In addition to these ten essential benefits, plan participants can also get extra benefits depending on the plan they choose.
Finding ACA Coverage
If you are searching for ACA coverage, you can start comparing plans by using the Health Insurance Marketplace. The Marketplace is an exchange that features many of the plans being offered in your area. You can use the tool to compare plans before making a purchase. Marketplace plans are also required to follow specific rules enforced by the Federal government.
Compare ACA Plans
To start comparing ACA plans, contact an insurance agent today. The talented team at Insured For Life is ready to take your call!
