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Frequently Ask Questions
The ACA, also known as Obamacare, is a comprehensive healthcare reform law aimed at making healthcare more accessible and affordable for Americans.
ACA health insurance is available to individuals and families who are U.S. citizens or legal residents. Eligibility is often based on factors like income and household size.
You can apply for ACA health insurance through the Health Insurance Marketplace during the annual Open Enrollment Period or a Special Enrollment Period if you qualify. Additionally, you may be eligible for Medicaid or the Children's Health Insurance Program (CHIP) at any time.
ACA-compliant plans cover essential health benefits, including preventive services, prescription drugs, maternity care, mental health services, and more. These benefits vary slightly between plans.
Yes, subsidies are available to lower-income individuals and families. These subsidies can help reduce monthly premiums and out-of-pocket costs.
The network of healthcare providers varies between ACA plans. Before enrolling, it's essential to check if your preferred doctors and hospitals are in-network to ensure coverage.
The individual mandate, which imposed a penalty for not having health insurance, was effectively eliminated in 2019. However, some states have implemented their own individual mandates with penalties.
You can typically change your ACA plan during the annual Open Enrollment Period. Certain life events, such as getting married or having a baby, may also qualify you for a Special Enrollment Period.
These categories represent different levels of coverage. Bronze plans have lower premiums but higher out-of-pocket costs, while Platinum plans have higher premiums but lower out-of-pocket costs. Silver and Gold plans fall in between.
Losing job-based health coverage qualifies you for a Special Enrollment Period, allowing you to enroll in an ACA plan. You may also be eligible for Medicaid or CHIP depending on your income and household size.