What is the Affordable Care Act?
The Affordable Care Act (ACA), often called Obamacare, is a healthcare reform law passed in 2010 to make healthcare more accessible and affordable for Americans. It has several key features that help improve healthcare across the nation:
Insurance companies can't deny coverage or charge higher premiums based on pre-existing conditions, gender, or health status. This means you can get the coverage you need without being penalized for your health history.
All health insurance plans must cover a set of essential benefits, including hospital care, prescription drugs, maternity care, and mental health services. This ensures that you have access to a range of vital healthcare services
The ACA offers financial assistance to eligible individuals and families to help make health insurance more affordable. This assistance can lower your monthly premium or out-of-pocket expenses
Free preventative care
When can you apply for coverage?
You can apply for coverage during the annual Open Enrollment period, which typically runs from November 1st to December 15th. During this time, you can enroll in a new plan through healthcare.gov.
In addition to the Open Enrollment Period, you may be eligible for a Special Enrollment Period (SEP) if you experience a qualifying life event. Some examples of qualifying life events include:
Losing your job-based health coverage
Getting married or divorced
Having a baby or adopting a child
Moving to a new area with different health plan options
Becoming a U.S. Citizen or gaining lawful status
Losing Medicaid or CHIP coverage
If your income falls under 150% of the Federal Poverty Level
Benefits of using a health insurance agent
Expertise on plan options and regulations
Personalized service
No additional cost
Ongoing support
Independent agents have access to multiple carriers
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options.