Need help finding the right plan?
What is the Affordable Care Act?
The ACA law seeks to provide health coverage for those who may not be able to access insurance any other way, like through an employer. All ACA Marketplace plans must cover preexisting conditions and include certain essential benefits.
Find out if you qualify for savings
Premium tax credits could help lower your monthly ACA plan premium
Call one of our licensed insurance agents to learn more about premium tax credits and which plan options make sense for you.
Coverage that works well with ACA Marketplace insurance
Add any of these plans to build a healthcare solution that works for you
One of the primary goals of the ACA is to help you access quality health insurance. All plans must include these 10 essential benefits:
Learn more about what coverage options are available where you live, as plan specifics and availability vary by state. Call one of our licensed insurance agents for help answering questions and finding the plan that’s right for you.
Frequently asked questions
When the ACA was first implemented, you could be subject to a federal tax penalty if you weren't covered by a health plan that met or exceeded the ACA’s minimum essential coverage requirements. The federal tax penalty no longer applies. However, state penalties may still apply in some states. Check with a tax advisor in your state for more information.
If you are subject to state penalty, different kinds of exemptions related to income, hardships and more may apply to your situation. If you believe you may be eligible for an exemption, you can learn more at Healthcare.gov about fees and exemptions.
Preexisting condition limitations have been eliminated from ACA Marketplace health plans. You can’t be denied ACA health insurance coverage on the basis of a health condition, and you can't be charged a higher premium because of your condition.
If a health insurance plan covers children of a policyholder, they can be added to or kept on the policy until they turn 26 years old.
The ACA requires issuers to provide a Summary of Benefits and Coverage.
1 These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details. THIS PLAN PROVIDES LIMITED BENEFITS. THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
2Coverage varies depending on the dental plan chosen. See brochure for details. If you use an out-of-network dentist, your benefit will either be determined by the reasonable and customary charge or by the network negotiated rate. An out-of-network dentist can bill a patient for any remaining amount up to the billed charge.
UHOACAA5
