The Affordable Care Act (ACA) is a comprehensive reform bill implemented in 2010 that expanded health insurance coverage for the uninsured and regulated the health insurance market. Patients previously uninsured owing to preexisting diseases or limited financial resources can now get inexpensive health coverage through their state’s health insurance marketplace under the inexpensive Care Act.

ACA insurance plans (Qualified Health Plans) are significant medical insurance plans approved for sale on the ACA Health Insurance Marketplace.

Most insurance plans, including those provided on the Health Insurance Marketplace, are required by the ACA to cover a list of preventive treatments at no cost to policyholders, including checkups, patient counseling, vaccines, and various health screenings.

All affordable care act insurance plans must cover certain “essential health benefits,” such as emergency services, family planning, maternity care, hospitalization, prescription drugs, mental health services, and pediatric care.

People suffering from mental health or substance addiction disorders can enroll in a plan that must meet their requirements. Their coverage for these mental health treatments must be as extensive as their coverage for medical and surgical services.

When most plans now only cover therapies to regain abilities, those under ACA insurance with developmental and intellectual disorders can benefit from habilitative programs that help them learn, maintain, or improve functional skills.

Premium subsidies are only available if you buy an ACA plan through the marketplace, and cost-sharing reductions are only available if you buy a Silver plan. While shopping for plans on eHealth, you can acquire subsidy estimates to see how much financial assistance you’ll receive.

You can begin looking for a health insurance plan that meets your financial and coverage requirements anytime. ACA insurance plan enrollment is confined to the yearly Open Enrollment Period in the fall for coverage the following year confined to the yearly Open Enrollment Period in the fall for coverage beginning the following year or with a Special Enrollment Period based on what Healthcare.gov defines as a SEP.  Qualifying Life Event:  Qualifying life event (QLE) – Glossary | HealthCare.gov

At Advantage Benefits Team, we understand the complexities of picking the right affordable care act insurance plans (PPO, HMO, POS, and EPO). You don’t have to spend hours analyzing and researching which plan works for you. Our team of experts can assist you in comparing your health insurance plan alternatives to find the best plan for you.

Our experienced agents have the best-in-class industry knowledge to ensure that our clients are covered with reasonable insurance and customized, transparent policies that exceed your expectations. We have partnerships with most major insurance providers in the United States, so contact us today to learn more about the available ACA insurance plans and how we can assist you in securing comprehensive coverage that meets your healthcare needs.