ACA Plans

The Affordable Care Act was a comprehensive health care reform law that was enacted in March 2010. Through it, affordable health insurance became available to more Americans than ever before. If you are interested in ACA coverage, here’s what you need to know.

What Are ACA Plans

ACA-compliant coverage refers to major health insurance plans that conform to the regulations set forth by the Affordable Care Act. These plans must include ten essential health benefits with no annual lifetime coverage maximums. If you wish to purchase a plan during open enrollment, ACA plans are guaranteed issue. This means pre-existing conditions do not determine your eligibility.

Are All Health Plans ACA Plans?

The ACA requires all newly purchased individual and small group health insurance policies to be ACA-compliant. This is the case whether the plans are sold on or off the health insurance Marketplace exchange. With this being the case, employees may still enroll in existing small-group plans that were in effect before 2014. Though, remember, a small business that wishes to purchase a new plan must ensure that it is ACA-compliant.

Ten Essential Health Benefits

All ACA-compliant health plans must cover a minimum of ten essential health insurance benefits. This is to ensure that Americans are able to acquire the health care services they need to remain happy and productive. The ten essential health benefits include:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Pregnancy, 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 and chronic disease management
  • Pediatric services, including oral and vision care

How Much Do ACA Plans Cost?

ACA plans are designed to be affordable and they have a reasonable price range. Each plan is categorized in a different metal tier based on the plan’s offerings. The metal tiers are bronze, silver, gold, and platinum. The bronze plans are likely to have the lowest cost and least benefits.


Free Consultation

Find ACA Coverage

Browsing the health insurance marketplace to find an ACA plan takes time and energy. To find the right plan in the least amount of time, get help from a professional. You can get help enrolling in an ACA plan by calling American Family Solutions.