The Law

 

The Patient Protection and Affordable Care ACT 2010, also known as The Affordable Care Act or ObamaCare, is America’s new health care reform law.

 

The Act was signed into law by President Barack Obama on March 23, 2010.

 

The Benefits

 

The new law ensures:

 

  • Insurance companies cannot put annual or lifetime dollar limits on Essential Health Benefits such as preventative treatments, treatments for life-threatening illnesses and other services related to detecting these types of illnesses.
  • Insurance companies can no longer deny you for any reason other than fraud.
  • Preventative services are often covered at a low cost, or free of charge. This also goes for many types of immunizations.
  • Subsidies are available for those who make less than 400% of the Federal Poverty Level.
  • Pre-existing conditions can no longer disqualify you from obtaining coverage, and care for those conditions.

 

The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.

 

Alabama Individuals & Families: Find out the most cost efficient healthcare insurance for you.

 

 

The Marketplace

 

The Marketplace allows for states in the U.S. to compare prices for subsidized health care. Each state will have its own area of www.healthcare.gov, and some states will have individual sites.

 

In Alabama, you can access your information, compare prices and choose health plans at HealthCare.gov. The state does not have its own website at this time.

 

Not everyone will qualify for lower prices on their insurance, but everyone will qualify to utilize the Marketplace in Alabama, should they choose to do so.

 

The Plans

 

Health Insurance plans are divided in tiers based on the amount of coverage you get, versus the level of copays and deductibles you will be responsible for.

 

  • Platinum plans have the highest premiums, but the lowest co-pays and deductibles.
  • Gold and Silver plans have lower premiums, but higher co-pays and deductibles.
  • Bronze plans have the lowest premiums, but the highest co-pays and deductibles.

 

Your Options in Alabama

 

Get a quote or estimate by visiting HealthCare.gov

 

Apply by phone:

 

1-800-318-2596
TTY: 1-855-889-4325

Representatives are available to answer your questions 24 hours a day, 7 days a week.

 

ObamaCare By State