Affordable Care Act in Rock Hill, SC
Your health is essential to your overall quality of life and well-being. Despite leading a healthy and responsible lifestyle, you may still face injuries, illnesses or other health issues. Therefore, it’s essential to prioritize obtaining and maintaining suitable health insurance, like that offered through the Affordable Care Act (ACA). A good policy can be vital for accessing essential medical services without incurring excessive out-of-pocket costs.
What Is the Affordable Care Act?
The ACA, enacted in March 2010, is a health care reform law aimed at expanding access to health insurance and reducing health care costs. The ACA accomplishes these objectives by broadening Medicaid eligibility, establishing health insurance exchanges and mandating individual health insurance coverage. It also prevents insurance companies from denying coverage for preexisting conditions and mandates coverage for essential health benefits, including emergency, maternity, and mental health services.
When Can I Enroll?
Each year, the ACA offers an open enrollment period when you can buy or modify your health insurance plan. This period usually runs from November 1 to January 15 of the following year. However, if you’re getting coverage through your employer (i.e., a non-ACA health plan), the specific dates for your enrollment period might differ.
Additionally, you might qualify for a special enrollment period outside the regular timeframe due to significant life events, such as relocating to a new state, losing your current coverage, getting married or having a baby.
How Does the Affordable Care Act Work?
ACA plans work similarly to health insurance you might get through an employer. You pay regular premiums to an insurance company; in return, you can submit claims to help pay for covered health services. To find a plan, visit your state’s Health Insurance Marketplace or talk to an insurance broker from Insure Insurance.
Learn More
To learn more about health insurance options, contact Insure Insurance today.