Affordable Care Act – Triangle Insurance

What is Affordable Care Act?

The Affordable Care Act (ACA) was designed to expand healthcare coverage to individuals who previously had none, while also providing more services at affordable rates to many Americans. The ACA also helps protect individuals with preexisting conditions by providing them with eligibility for health insurance.

Commonly referred to many names such as “Obamacare”, “The ACA”, “Marketplace Insurance” or “healthcare.gov”.
Has an annual open enrollment period from November 1st to December 15^thto enroll in coverage with a January 1^st of the following year effective date.
In order to enroll in coverage outside of the open enrollment period, one must have what’s known as a qualifying life event. You must apply for coverage within 60 days of the event in order to be eligible for ACA benefits outside of open enrollment.
Qualifying life events include: loss of credible coverage elsewhere, change in household (marriage, divorce, newborn), change in residence (moving to a new county or zip code), becoming a US citizen, a change in one’s Medicaid or Medicare eligibility or leaving incarceration.
Guaranteed issued coverage means you cannot be denied coverage based on your health status, age, or income.
Guarantees 10 Essential Health Benefits that must be covered by all plans: Doctor visits and other outpatient care, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drug coverage, rehabilitative and habilitative services, laboratory test and services, preventive and wellness care and basic pediatric (under the age of 19) dental and vision care.
Advanced premium tax credits (APTC) are available to qualifying consumers based on their household size and their total annual income. These credits help reduce your monthly premium costs through healthcare.gov. Please see the tax credit and subsidy page for more information regarding who is eligible for tax credits.

Because the ACA expanded healthcare to a wide variety of households, navigating the Health Insurance Marketplace can be overwhelming. I understand the importance of finding high-quality, affordable health care coverage. That’s why I love to help my clients find an ACA plan they can depend on – and I think I am pretty good at it, too.

I am thorough and personal, taking your particular needs and budget into account in order to offer you highly personalized expertise. I guarantee that I will help you find the ACA plan most appropriate for you and your family. I’ll provide you with competitive rate quotes, assist you with the subsidy application, keep you informed of deadlines, and give you peace of mind.

What is Affordable Care Act?

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