Increased
Access to Healthcare & Expansion of Coverage through the ACA Program.
One of the primary goals of the Affordable Care Act was to expand Health Insurance coverage and ensure that more individuals have access to healthcare.
Medicaid Expansion
The ACA expanded eligibility for Medicaid, a government program that provides healthcare coverage to low-income individuals and families. The expansion extended coverage to more individuals, including adults without dependent children, who previously did not qualify for Medicaid. This expansion has helped millions of low-income Americans gain access to affordable healthcare.
Health Insurance Marketplaces
The ACA established Health Insurance Marketplaces, also known as Exchanges, where individuals and small businesses can shop for and compare health insurance plans. These Marketplaces offer a range of options, including subsidized plans for individuals and families with low to moderate incomes. The availability of Marketplaces has made it easier for individuals to find and enroll in health insurance coverage that meets their needs.
Pre-existing Condition Coverage
One of the most significant changes introduced by the ACA is the prohibition of insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. This provision ensures that individuals with pre-existing conditions, such as diabetes or cancer, cannot be denied health insurance coverage or charged exorbitant rates due to their medical history.
Young Adult Coverage
The ACA allows young adults to remain on their parent’s insurance plans until the age of 26, even if they are not living with their parents or are financially dependent on them. This provision has expanded access to healthcare for many young adults who may otherwise have been uninsured or faced challenges in obtaining affordable coverage.
Essential Health Benefits:
The ACA mandates that all insurance plans sold on the individual and small group markets cover essential health benefits. These benefits include services such as preventive care, hospitalization, prescription drugs, maternity care, and mental health treatment. By ensuring these essential services are covered, individuals have access to comprehensive care.
The ACA has helped reduce the uninsured rate and provided a pathway for individuals to access affordable and comprehensive health insurance plans, regardless of their income or pre-existing conditions.
HOW IT WORKS
The cost of your health insurance premium is based on your household income, not what the insurance company wants to charge. Most people who enroll under the ACA program qualify for tax credits that reduce the cost of their insurance premiums.
Cost-sharing subsidies lower out-of-pocket costs for silver plans bought through the Health Insurance Marketplace. If you don't qualify for Medicaid, have limited coverage, no coverage or lost coverage you may qualify for the ACA Program
COVERAGE FROM BRANDS YOU KNOW & TRUST
Aetna CVS Health
Ambetter
Anthem/Wellpoint
BlueCross BlueShield of Texas
Christus
Cigna
Imperial Health Plan
Molina ACA
Oscar
UnitedHealthcare
IHA Health Plans (ACA Clone)
WellCare
Humana
Ameritas
Physicians Mutual