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The ACA mandates that plans include maternity coverage and makes key preventive services available without cost sharing,...
04/22/2023

The ACA mandates that plans include maternity coverage and makes key preventive services available without cost sharing, including breastfeeding support services and supplies; annual well-woman visits; and screenings for cervical cancer, HIV, and interpersonal and domestic violence. Thanks to the ACA, about 61 million women nationwide can access contraception without any out-of-pocket cost. One study estimated that the ACA’s contraception benefit has saved women at least $1.4 billion annually on birth control pills alone.

The ACA also recognized that supporting maternal and infant health required policy changes beyond health coverage. The law mandates that employers provide breastfeeding mothers break time and a private space to express milk during the workday.

People with preexisting health conditions can no longer be denied coverageA preexisting condition, such as cancer, made ...
04/21/2023

People with preexisting health conditions can no longer be denied coverage
A preexisting condition, such as cancer, made it difficult for many people to get health insurance before the ACA. Most insurance companies wouldn’t cover treatment for these conditions. They said this was because the illness or injury occurred before you were covered by their plans.

Under the ACA, you can’t be denied coverage because of a preexisting health problem.

What are the 5 benefits of insurance?Benefits of Insurance CoverageProvides Protection.Provides Certainty.Risk Sharing.V...
04/21/2023

What are the 5 benefits of insurance?
Benefits of Insurance Coverage
Provides Protection.
Provides Certainty.
Risk Sharing.
Value of Risk.
Capital Generation.
Economic Growth.
Saving Habits.

President Joe Biden and a Democratic-led Congress have committed millions of dollars over the past two years into unlock...
04/19/2023

President Joe Biden and a Democratic-led Congress have committed millions of dollars over the past two years into unlocking low-cost insurance plans for more people and prohibiting states from kicking people off Medicaid during the COVID-19 pandemic. The marketplace itself has also evolved in recent years, with more insurers joining, giving an overwhelming majority of Americans at least three plans to consider during enrollment.

Beginning in January 2023, there's a big change to the ACA that advisors should learn about: A new rule that eliminates ...
04/18/2023

Beginning in January 2023, there's a big change to the ACA that advisors should learn about: A new rule that eliminates the "family glitch." This term refers to a rule implemented in 2013 that bases eligibility for ACA premium subsidies on the affordability of employer-sponsored insurance for the employee only, and not his or her family.
Going forward, public exchange programs in the states will evaluate the coverage needs of the entire family when deciding whether group coverage is affordable and whether family members are eligible for an ACA premium tax-credit subsidy.

Obamacare helps low and middle-income Americans who do not have access to affordable health insurance coverage through a...
04/17/2023

Obamacare helps low and middle-income Americans who do not have access to affordable health insurance coverage through an employer.

The government-backed insurance provides income-based subsidies to those enrolled. Companies that sell such insurance include Centene (CNC.N), CVS Health (CVS.N), and Anthem Inc .

The Biden administration finalized in October a rule it said would fix the so-called family glitch in the ACA which priced many people out of health insurance and would help over a million Americans by addressing an element of the law that left family members of those with access to employer-provided health plans ineligible for certain subsidies.

More than 16 million Americans signed up for Obamacare health insurance for 2023, a jump of more than 12% over last year...
04/17/2023

More than 16 million Americans signed up for Obamacare health insurance for 2023, a jump of more than 12% over last year and the highest since the Affordable Care Act was signed 13 years ago, the U.S. government said.

About 12 million people enrolled from the 33 U.S. states that use the online marketplace funded by the federal government and about 4 million people from states that sell the insurance directly to their residents.

Women can no longer be charged more for insurance and are guaranteed coverage for services essential to women’s healthPr...
04/15/2023

Women can no longer be charged more for insurance and are guaranteed coverage for services essential to women’s health
Prior to the ACA, women faced unique barriers to adequate care. Insurers in the individual market could charge women up to 1.5 times more than men for health insurance, a discriminatory practice known as gender rating, and insurers treated pregnancy as a preexisting condition. Plans could also exclude critical women’s health benefits from coverage: In 2011, 62 percent of individual market enrollees were in plans without maternity coverage. The ACA outlawed gender rating and prohibited insurers from discriminating against people with preexisting conditions. The latter is a crucial protection for women: About 1 in 2 girls and nonelderly women have a preexisting condition.

The ACA added a number of significant new protections for people with preexisting conditions. One group of reforms invol...
04/15/2023

The ACA added a number of significant new protections for people with preexisting conditions. One group of reforms involved changes to the rating rules, prohibiting insurers from making premiums dependent on gender or health status and limiting their ability to vary premiums by age. The ACA also established guaranteed issue, meaning that insurers must issue policies to anyone and can no longer turn away people based on health status.
Another crucial protection for people with preexisting conditions is the ACA’s requirement that plans include categories of essential health benefits, including prescription drugs, maternity care, and behavioral health. This prevents insurance companies from effectively screening out higher-cost patients by excluding basic benefits from coverage. The law also banned insurers from setting annual and lifetime limits on benefits, which had previously prevented some of the sickest people from accessing necessary care and left Americans without adequate financial protection from catastrophic medical episodes.

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200 East 18th Street Austin
Texas City, TX
78701

Telephone

+380732256203

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