ACA compliant coverage refers to health insurance plans that offer benefits for a broad range of healthcare services that meet the requirements established by the Affordable Care Act, also known as Obamacare.
There are several things this means, but you as a health insurance consumer should know what it means for you and why it is so important,
Once you know that you are eligible to apply for ACA compliant health plan. Search for plans that best suited to your health condition and financial ability to pay for the plan over the entire period of coverage.
You can apply for yourself or anyone who lives with you.
Federal financial assistance/ subsidy are available for people within certain income bracket during open enrollment period November 1- December 15, which can lower your monthly premium. Additional cost sharing reduction subsidy is also available to you if buying a “Silver plan” to further lower the cost of deductibles, coinsurance and copays. Learn if you qualify for financial assistance.
Don’t just renew your old plan but Shop around for any alternative coverage that may be available each year that best suites to your current health condition. New carriers may be available offering better value for your money. Take the time to compare your existing plan with new offerings to be sure that you are not paying more than you should for similar coverage, deduction, out-of-pocket expenses etc. Health insurance policies, if not chosen correctly can have a major impact on both your health and financial life.
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