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About the Affordable Care Act

The Affordable Care Act was passed by Congress in 2010. The law is officially known as the Patient Protection and Affordable Care Act and is also unofficially called “Obamacare.”

The goal of the Affordable Care Act was to make health insurance available and more affordable for all Americans. Under the Affordable Care Act, insurance companies cannot deny you coverage because of preexisting medical conditions. They also cannot drop you for simply becoming too costly to insure.

Government Plans are those plans directly established by the Affordable Care Act. All of these plans have the same amount of coverage because, per the Affordable Care Act, all Government Plans need to cover the Essential Health Benefits. The Essential Health Benefits include emergency/hospitalization care, preventative care, maternity/pediatric care, mental health services, prescription drug coverage, lab work, and more.

There are five tiers of Government Plans: Bronze, Silver, Gold, Platinum, and Catastrophic. Again, all plans provide the same amount of coverage; the only difference is the cost. Bronze Plans have premiums that cost less per month/year, but you will pay more out-of-pocket when you have medical services. These plans are good for otherwise healthy people, who do not anticipate medical services beyond basic preventative care. Platinum Plans are the exact opposite. You pay more per month/year, but less out-of-pocket. These plans are best for those who have an ongoing medical issue that requires regular medical services. Catastrophic Plans are a “just-in-case” plan for those who need coverage in the event of a major medical issue such as a hospitalization. You must be under 30 or undergoing some form of income hardship to qualify for this plan.

If you meet certain income criteria, you can qualify for a subsidy. Subsides can significantly lower the costs of Government Plans.

Government Plans are only available during Open Enrollment. The only exception is if you missed Open Enrollment, and experienced a major life change, known as a “Qualifying Life Event” you could be eligible sign up for a Government Plan outside of Open Enrollment.

Even though the law was extensive, there are still health plans available that are not supported by the he Affordable Care Act. These plans are Non-Government Plans, and are sometimes referred to as “Private Plans” or “Short Term Plans.” These plans could be denied coverage for preexisting conditions. However, the plans are generally inexpensive and provide necessary health coverage until the next Open Enrollment.

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GovernmentHealthInsurance.com is an independent marketplace and is not a federal or state Marketplace website. GovernmentHealthInsurance.com does not provide quotes or sell insurance directly to consumers, is not affiliated with any exchange, and is not a licensed insurance agent or broker. Accordingly, you should not send us (via mail or email) any sensitive information, including personal health information or applications. Any such communications will not be treated as confidential and will be discarded, as, in offering this website, we are required to comply with the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website or go to the Health Insurance Marketplace website at www.HealthCare.gov

Advertised Pricing:

There are several factors that impact your monthly premium; including, but not limited to your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, this result is subject to change.