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ACA/OBAMACARE

Compressive, ACA-qualifying healthcare coverage

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Get a Free ACA/OBAMACARE Quote in Minutes!

Compressive, ACA-qualifying healthcare coverage

What is ACA/Obamacare Insurance?

ACA/Obamacare is comprehensive, “qualifying” healthcare coverage. You may know it by a different name, “Obamacare.”

Since the Affordable Care Act (ACA) went into effect in 2014, all medical insurance plans being sold as major medical coverage are required to meet a set of minimum coverage standards (see the next section).

Any health insurance plan that does not meet that minimum requirement is not considered a major medical plan.

What Does ACA/Obamacare Insurance Cover?

ACA health insurance plans are required to cover the following healthcare services, often referred to as the 10 essential health benefits:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services and devices
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

Have a coverage question?

Speak with a health insurance agent today.

ACA/Obamacare Insurance is Guaranteed Issue

ACA major medical insurance is required under law to be “guaranteed issue.” That means you cannot be denied coverage based on health status (including pre-existing conditions), age, gender, or other factors.

However, you can be charged more for some things such as age, tobacco use, family size and geographic location.

Do You Need ACA/Obamacare Insurance?

As of 2019, the ACA individual mandate is no longer being enforced with a federal tax penalty for adults 26 and older that opt out of coverage without qualifying for an exemption. However, some states have individual mandates and tax penalties for going without qualifying coverage.

Even though you can’t be penalized for not having major medical coverage under federal law, you should still consider these more comprehensive plans if you:

  • Aren’t already covered on a parents’ or employer’s major medical plan
  • Have a pre-existing condition – major medical plans are guaranteed issue so you can’t be turned away because of past health conditions
  • Qualify for a subsidy – you may be able to get a better ACA plan at a more affordable rate than you think
  • Rely on prescription drugs – major medical plans are the only plans that require drug coverage
  • Live in a state with an ACA tax penalty

Find Answers to ACA/Obamacare Medical Insurance Questions

When is open enrollment? open When is open enrollment?
Is Obamacare still in effect, or has it been repealed? open Is Obamacare still in effect, or has it been repealed?
What happens if I don’t have health insurance? open What happens if I don’t have health insurance?
How do I figure out if I qualify for an Obamacare subsidy? open How do I figure out if I qualify for an Obamacare subsidy?
What are my options if I can’t afford major medical health insurance? open What are my options if I can’t afford major medical health insurance?
Where can I buy affordable health insurance? open Where can I buy affordable health insurance?
How do I choose the best health insurance plan? open How do I choose the best health insurance plan?
Where can I find alternative coverage options? open Where can I find alternative coverage options?

When Can You Get ACA/Obamacare Insurance?

Individual major medical coverage can only be obtained during the annual ACA open enrollment period (typically Nov – Dec) unless you qualify for a special enrollment period due to losing your coverage through a qualifying life event like getting married or divorced, moving to a new state or area where your plan isn’t available, having a child or losing your job.

Find out how to get health insurance now, or call 888-855-6837 to speak with a health insurance agent to discuss your options.

ACA/OBAMACARE Resources

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ACA Minimum Essential Coverage + Qualified Health Plans
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What are the ACA Essential Health Benefits?
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What Preventive Care is Covered by the ACA?
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Qualifying Life Events for an Individual Health Insurance Special Enrollment Period
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ACA Plan Metal Levels: What They Are + How They Work
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ACA Subsidies – Two Ways to Lower Your Insurance Costs
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