Question 1

Plan Features

Accepted Answer

ACA-compliant plans are comprehensive and must include coverage for the following essential health benefits:
 • Preventive care and wellness services, including chronic disease management
 • Pediatric services, including dental and vision care
 • Prescription medications
 • Emergency care
 • Hospital stays
 • Outpatient care
 • Laboratory services
 • Maternity and newborn care
 • Mental health and substance use disorder services, including behavioral health treatment
 • Rehabilitative and habilitative services and devices that support the development, maintenance, or improvement of daily living skills

Question 2

Is an ACA health plan right for me?

Accepted Answer

An ACA health plan may be a great option if you:
 • Are self-employed
 • Have a pre-existing condition
 • Have experienced a Qualified Life Event (QLE)
 • Want a comprehensive health plan that covers a wide range of medical needs throughout the year
Since ACA Open Enrollment only occurs once a year — unless you qualify for a Special Enrollment Period due to a QLE — you may want to consider other options if you need coverage midyear. Alternatives such as short-term health plans, health share programs, or indemnity plans may provide the flexibility you need.

If you have a pre-existing condition, ACA-compliant plans are especially beneficial. With these plans they cannot deny coverage or charge higher premiums based on your current conditions.

Question 3

How do I enroll in an ACA health plan?

Accepted Answer

Navigating the Marketplace can be overwhelming, but our agents are here to help. They'll guide you through every step — from answering your questions and helping you choose the right plan to assisting with enrollment and supporting you with any benefit-related concerns throughout the year.

ACA Plans