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什么是平价医疗法案?

对于ACA计划,请拨打1-800-273-8115。或者查看其他健康保险选项的报价!

每个人都需要医疗保险

平价医疗法案(ACA),有时也被称为奥巴马医改,旨在让每个人都能获得有保障的健康保险计划。这些计划涵盖了既存的疾病,以及一系列不会因计划而改变的基本健康福利。

《平价医疗法案》为个人健康保险设立了每年的开放登记期。在大多数情况下,如果你想要ACA保险,你必须在这段时间内参加符合ACA的医疗计划。然而,如果你经历18beplay官网在开放注册窗口之外,您可以在特殊注册期间注册。

2022年ACA计划开放登记

在大多数州,开放注册的时间是11月1日至1月15日

不需要排位赛

个性化的建议

每周6天,向我们的持牌保险代理提出你的问题。


有资格享受医疗保险费税收抵免

许多在市场上申请医疗保险的人都有资格享受保费税收抵免,这有助于降低获得保险的成本。你可能收到的金额是基于你的家庭规模和你的年收入。你可以在Healthcare.gov网站上了解更多关于税收抵免和其他节省开支的方法。

健康保险的覆盖面和免除

当ACA刚开始实施时,如果你的医疗计划没有达到或超过ACA的最低基本保险要求,你可能会受到联邦税收处罚。从2019年1月1日起,联邦税收罚款不再适用。然而,州的处罚可能仍然适用于一些州。向你所在州的税务顾问了解更多信息。

如果你受到国家的惩罚,不同种类的豁免可能适用于你的情况:与收入有关的,与医疗保险有关的,与群体有关的,与困难有关的,等等。如果你认为你有资格获得豁免,你可以在Healthcare.gov了解更多关于费用和免税的信息

ACA医疗保险和既存条件

ACA的健康计划取消了预先存在的条件限制。你不能因为健康状况而被拒绝享受ACA医疗保险,你也不能因为你的健康状况而被收取更高的保费。

探索你的选择

计划设计和可用性因州而异。找出你住的地方有哪些。

购买健康保险的来源

  • 你的雇主-一些雇主为他们的雇员提供降保险。
  • 健康保险市场-市场,或“交易所”,是人们购买和购买健康保险的一种方式,它可能被称为健康计划。每个市场分为个人(针对家庭和个人)和SHOP(针对小型雇主的健康计划)市场。
  • 医疗保险公司-保险公司可以直接向人们提供保险——就像我们过去所做的那样。我们也可以通过市场提供经过批准的方案。

包括你的医疗保险所没有的

即使是一些最好的ACA医保计划也不能覆盖一切。您可能需要考虑联合医疗品牌的补充计划以获得额外的保险。计划由金科玉律保险公司承保。

  • 牙齿保险可以帮助支付日常清洁和牙齿问题的费用。
  • 视觉保险可以帮助支付眼科检查和处方眼镜的费用。
  • 意外保险能协助处理意外伤害后的意外医疗账单。
  • 固定赔偿保险为许多被覆盖的普通医疗服务支付固定福利。

基本的健康益处

联邦指导方针已经建立,以扩大覆盖面。为了达到最低的基本覆盖范围,所有健康计划都必须涵盖所谓的“基本健康福利”,包括:

  • 门诊服务
  • 紧急服务
  • 住院治疗
  • 实验室服务
  • 孕产妇和新生儿护理
  • 精神健康和物质使用障碍服务,包括行为健康治疗
  • 儿科服务,包括牙科和视力护理
  • 处方药
  • 预防和保健服务以及慢性病管理
  • 康复和习惯服务和装置

年龄较大儿童的保险

如果一个健康保险计划涵盖了孩子,他们可以被添加到父母的保险中,或者一直保留到26岁。

医疗保健改革和现有覆盖范围

随着时间的推移,我们预计会有更多的法规来指导医疗改革法的实施,在个别州可能也会有新的要求。我们可以向您保证,我们的健康计划符合今天适用的州和联邦法律,并将在更改生效后继续这样做。

那我的健康计划怎么办?

我们承诺,当您的医疗保险计划受到特定条款和/或ACA法律变化的影响时,我们将直接及时地与您沟通。

您可以期待收到我们的书面通信,说明您的健康保险计划将作出哪些更改或增加,以及它们对您和您的家人意味着什么。

ACA要求发行人提供一份福利和覆盖摘要。

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