Health Insurance in the US

The Affordable Care Act (ACA) was designed to give individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health cover that they may not have been able to get on their own or through an employer.

 

health insurance in the US

 

Within the ACA:

  • You may be able to purchase health care through a state or federal marketplace that offers a choice of plans.
  • Insurers can’t refuse coverage based on gender or a pre-existing condition.
  • Lifetime and annual limits on coverage are eliminated.
  • Young adults can stay on their family’s insurance plan until age of twenty six.
  • Seniors who hit the Medicare Prescription Drug Plan coverage gap or “donut hole” can get a discount on medications.

When to Enroll:

Open enrollment is the part of each year that citizens can freely make changes to their health care coverage purchased through the ACA’s Health Insurance Marketplace.

The next open enrollment period is expected to begin on November 1, 2017, and end on January 31, 2018. During the open enrollment period, you will be able to:

  • Re-enroll in your current plan
  • Choose a plan for the first time
  • Choose a new plan to replace your current plan
  • Make changes to your existing insurance plan

You can enroll or change your plan year-round if you have certain life changes:

  • Getting married or divorced
  • Having a baby or adding a dependent to your family
  • Losing other coverage
  • Moving to a new state
  • Qualifying for Medicaid

You can learn more about and apply for ACA health care coverage in several ways:

Go to HealthCare.gov.

Depending on where you live, you’ll apply for benefits there through the ACA Health Insurance Marketplace or you’ll be directed to your state’s health insurance marketplace website. Marketplaces, prices, subsidies, programs, and plans vary by state.

Health Insurance in the US

Using Your Coverage

If you have questions about specific parts of your insurance plan, you must contact your insurance company to get answers. Only your insurance company can answer specific questions about doctors, medications, treatments, medical equipment, and what is and is not covered under your plan.

As with anything involved in the insurance world, it is always best to get advice if needed.