Affordable ACA Health Insurance: A Guide to Covered Services and Low-Cost Options

The Affordable Care Act (ACA), also known as Obamacare, was signed into law in 2010. The ACA has made health insurance more accessible and affordable for millions of Americans. It has also expanded the range of preventive services that are covered by health insurance.

What are the essential health benefits covered by the ACA?

The ACA requires all health insurance plans to cover ten essential health benefits, including:

– Ambulatory patient services
– Emergency services
– Hospitalization
– Maternity and newborn care
– Mental health and substance use disorder services, including behavioral health treatment
– Prescription drugs
– Rehabilitative and habilitative services and devices
– Laboratory services
– Preventive and wellness services, including chronic disease management and screenings
– Pediatric services, including oral and vision care

How can I find affordable health insurance?

There are a number of ways to find affordable health insurance. You can:

– Visit HealthCare.gov. HealthCare.gov is the official health insurance marketplace for the ACA. You can use HealthCare.gov to compare health insurance plans and find out if you are eligible for financial assistance.
– Contact your state’s health insurance exchange. Each state has its own health insurance exchange. You can contact your state’s exchange to get help finding and enrolling in a health insurance plan.
– Work with a health insurance agent or broker. Health insurance agents and brokers can help you compare health insurance plans and find the best plan for your needs.

What are some tips for saving money on health insurance?

There are a number of things you can do to save money on health insurance, including:

– Choose a plan with a high deductible. Plans with high deductibles have lower monthly premiums. However, you will have to pay more out of pocket if you need medical care.
– Use a health savings account (HSA). HSAs are tax-advantaged savings accounts that can be used to pay for qualified medical expenses.
– Take advantage of preventive care. Preventive care can help you stay healthy and avoid costly medical expenses in the future.
– Shop around for health insurance. Get quotes from several different health insurance companies before you choose a plan.

The ACA has made health insurance more accessible and affordable for millions of Americans. There are a number of ways to find affordable health insurance. By following these tips, you can save money on health insurance and get the coverage you need.

Important note: Do not attempt to operate yourself on healthcare.gov, instead call for seeking our licensed agent help.