ACA Health Insurance: Affordable Coverage for Your Healthcare Needs
Affordable Care Act - The Basics of the Affordable Care Act
The Affordable Care Act was signed into law on March 23, 2010 by President Barack Obama. It aims to provide affordable healthcare coverage to millions of uninsured Americans. Individuals with preexisting conditions under the ACA coverage will be able to receive proper healthcare without the stress of getting canceled. Contact Prime Insurance Brokerage at 864-536-0981 to speak with an insurance agent.
Your Rights as a ACA Patient
Coverage for young adults under ages 26
Coverage with preexisting conditions
Choose your doctor
Protection under grandfathered plans
No annual and lifetime limits
Get access to preventative services
Policies aren't unfairly canceled
Fair treatment of emergency care
What is Covered Under ACA
Ambulatory patient services
Emergency services
Hospitalization
Laboratory services
Maternity and newborn care
Mental health services and addiction treatment
Rehabilitation services and devices
Pediatric services
Prescription drugs
Preventive care
Who Qualifies?
Individuals under the age of 65 who earn at or below 138% of the Federal Poverty Level qualify through an expansion of state-sponsored Medicaid programs.
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Who Is Eligible for Health Insurance Under the ACA?
The Affordable Care Act (ACA) is an act passed in 2010 that requires all states to set up insurance exchanges where individuals will be able to compare prices for different plans and choose which plan best suits their needs. Anyone who does not have access to affordable health care through their employer is eligible for subsidized health insurance under the ACA. This includes people with low incomes, children, and adults without dependent children.
What Are the Essential Benefits under the ACA?
Under the ACA, every individual must have health insurance. If an individual has no health insurance, he/she will be required to pay a penalty. In addition, individuals who do not maintain continuous coverage will face a tax penalty.
What Does the ACA Mean for Employers?
The ACA requires employers with 50 or more full-time employees to offer health insurance to their workers. This requirement applies to businesses with annual gross revenues of $500,000 or more. Smaller businesses are exempt from offering health insurance to their employees.
What Can You Do Now?
If you work at an employer who does not offer health insurance, you will need to find out what options are available to you. You may qualify for government subsidies to help pay for insurance premiums. You may also qualify for Medicaid, which provides free medical care to low income individuals.
What Can You Do Now?
Anyone with household income below 138% of the federal poverty level (about $16,000 for a family of four) is eligible for subsidized private insurance through state exchanges. People who earn between 100% and 400% of the federal poverty line ($11,490-$44,680 for a family of four), as well as people whose employers do not offer health insurance, are eligible for Medicaid.
