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How Does Healthcare Reform Affect My Insurance?

Category: Personal Insurance

Despite the increasing amount of attention state and national media have given to the healthcare reform debate, many consumers are still left frustrated and confused. As new reforms are implemented, and not very old ones are repealed, it’s tough to stay up-to-date with the seemingly breakneck speed of change. Don’t lose hope: Help is available.

The major changes the Affordable Care Act has ushered in are recognized by most. Starting in 2014, the vast majority of residents are now required to carry some form of health insurance under the ACA. Insurance companies are no longer allowed to deny coverage because of pre-existing conditions, and parents are able to insure their adult children until they reach the age of 26. Some of the reforms are more nuanced, however, and are less highlighted in news reports.

All ACA-approved health insurance plans must now cover certain preventative care for their policy holders. These services include ambulatory patient, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative and habilitative services, laboratory services, preventive and wellness services and chronic disease management, as well as pediatric services.

The question on many consumers’ minds is: “What will these changes mean for the premiums I pay?” Finding affordable health insurance coverage is no easier now than it was before the ACA for many people. Even those whose benefits are provided by their employer, maybe paying much higher premiums than they were even a few years ago. Although several states have launched online health insurance exchanges or “marketplaces,” many folks have struggled with enrollment and have faced flawed systems prone to bugs and errors.

You don’t have to navigate these unknown waters alone. We are here to help. Our experienced agents can assist you by locating several health insurance policies from a variety of providers so you can compare coverage and rates. We have thoroughly reviewed all ACA changes so you don’t have to become a medical expert just to find an insurance policy. Contact us to find the perfect health insurance policy with the best coverage at the most affordable rates.

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