ACA Qualified Plans for:
$10 / month or less for eligible individuals*
What is the ACA?
The Affordable Care Act (ACA) was signed into law on March 23, 2010. It is the name for the comprehensive health reform law and its amendments, also referred to by some as ObamaCare. The ACA aims to assist in making health insurance more accessible for people with lower or moderate incomes. Adding subsidies for financial help, preventative care benefits, stopping pre-existing condition denials, and allowing dependents to stay under their parents' plan longer has allowed for a more inclusive healthcare system for Americans.
How to qualify for coverage:
- Must be a US citizen or legal resident currently living in the United States
- Have recently lost or do not have access to an employer-sponsored plan
- Not currently incarcerated
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How has ACA impacted the quality of individual health insurance?
The Affordable Care Act (ACA) has not only allowed for individual health insurance to be more affordable, but more accessible.
The ACA focuses on coverage standards that prevent insurers from discriminating against applicants or charging higher plan premiums, due to pre-existing conditions or gender. Health policies are now a guaranteed issuance, regardless of recipients' health status, age, or income. ACA-compliant plans include a long list of free preventative healthcare services. When it comes to affordability, the law includes premium subsidies and cost-sharing assistance to reduce healthcare premiums for Americans who are eligible. CMS reports that 4 of 5 ACA-eligible individuals will qualify for a plan at $10 or less per month on average.*
Key Features Include:
Provide consumers with subsidies that lower costs for households with incomes between 100% and 400% of the federal poverty level (FPL).
Expanding Medicaid programs to select states to cover all adults with income below 138% of the federal poverty level (FPL).
Adding provisions intended to encourage better health to avoid future illnesses.
Prohibit insurance providers from denying coverage to those with pre-existing conditions.
Provide consumers with subsidies that lower costs for households with incomes between 100% and 400% of the federal poverty level (FPL).
Adding provisions intended to encourage better health to avoid future illnesses.
Expanding Medicaid program to select states to cover all adults with income below 138% of the federal poverty level (FPL).
Prohibit insurance providers from denying coverage to those with pre-existing coneitions.
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