The health care law, also known as Obamacare or ACA (Affordable Care Act), makes health insurance more affordable for millions of people, and says most Americans need to get insurance. Planned Parenthood is here to help you figure out what the law means for you.
All plans are required to offer coverage for essential health services including hospitalizations, maternity care, prescription drugs, and preventative care. Preventative care includes annual well-woman exams and a range of free birth control options (although some brands of birth control will require a copay. You will have to check with your insurer to find out if your brand is free or not).
There will be a variety of plans available to choose from, which will vary in terms of cost and services covered.
How you qualify for new health insurance will differ based on a variety of factors, including income and citizenship (you must be a citizen or legal resident to qualify). Also, what type of coverage you’re eligible for varies from person to person, even within one family.
Also, if you have a pre-existing condition, you need not to worry. Health insurance plans are no longer able to deny you coverage for a pre-existing condition such as diabetes or breast cancer.
If you already have insurance through your employer, you will not need to enroll in the Marketplace. You can, however, choose to compare pricing of the plans in the Marketplace to your employer-offered plan. If you find a lower, comparable plan in the Marketplace, you can apply for it.
The health care law makes quality health insurance plans more affordable, and millions of Americans will get financial help in paying for their new insurance plan. In fact, most individuals making less than $45,960 per year, and most families of four making less than $94,200 can get financial help. For an estimate on what you may pay and what financial help you may receive, you can use the Kaiser Foundation’s Subsidy Calculator.
There are four different types of plan options, depending upon what you want to pay and how extensive you want the coverage to be. These are referred to as Bronze, Silver, Gold, and Platinum. The Bronze will be the most affordable plan, offering all of the basic coverage (up to 60%). The Platinum plan will most likely cost the most in premiums, but will also provide more comprehensive coverage (up to 90%)
Enrollment for 2014 coverage is now over. Enrollment for2015 coverage will begin November 15, 2014 and will run through February 15, 2015. If you have a life event that changes your family status, such as having baby, or if you lose coverage due to something like changing jobs, you may qualify for a special enrollment period.
You need a list of items to enroll as well as a calculation for your annual household income for 2014. Click here for a printable version of the checklist.
Planned Parenthood will continue to provide quality health care—whether or not you have insurance. You will have to check your insurance plan’s network. A network is a list of providers where you can use your insurance. Not every plan will include every provider, so you will have to check to see if your provider is included in the plans you are considering.
Planned Parenthood will continue to provide quality health care even if you don’t qualify. Our Select Plan is a popular option for women.
Check out our Resources page. We’ve provided different resources such as videos and articles to help you better understand how the health care law will affect you.