The Affordable Care Act (ACA) offers new benefits, rights and protection. One major change is the Mandatory coverage of pre-existing conditions.
Thanks to the health care reform, no one can be denied coverage for a pre-existing condition. A pre-existing condition is a medical condition that has been discovered or treated within a set period before the effective date of an insurance policy or plan.
This protection is provided through the Guaranteed Issue and Guaranteed Renewal.
- A health plan cannot deny someone coverage because of a particular illness or condition.
- There are no waiting periods for coverage associated with certain pre-existing conditions.
- A health plan cannot deny someone coverage because of risk factors like age or gender.
This is a requirement that your health insurance issuer must offer to renew your policy as long as you continue to pay premiums.
Another major change under ObamaCare that helps promote a healthy society is Preventive Service.
The Affordable Care Act offers preventive care with no out-of-pocket costs. Preventive services include yearly check-ups, immunizations, counseling, and screenings.
Preventive Care helps you stay healthy.
Before & After
It doesn’t matter if you have been denied in the past. This no longer applies and all people with pre-existing conditions can enjoy health insurance coverage.
The law states that by 2014 all non-exempt Americans need to have health insurance or they will face a tax penalty.
Plans also protect you from no limits on annual coverage.
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.
Colorado Individuals & Families: Find out the most cost efficient healthcare insurance for you.
Connect for Health Colorado plans are grouped in metallic tiers to make it easier for shoppers to compare:
The lowest cost plan available. It has the lowest premiums and the lowest actuarial value. The actuarial value of a bronze plan is 60%. This means that 60% of medical costs are paid for by the insurance company, leaving the other 40% to be paid by you.
The second lowest cost plan. It has an actuarial value of 70%. This means that 70% of medical costs are paid for by the insurance company, leaving the other 30% to be paid by you.
The second most expensive plan. It has an actuarial value of 80%. This means that 80% of medical costs are paid for by the insurance company, leaving the other 20% to be paid by you.
The plan with the highest premiums.The Platinum plan as an actuarial value of 90%. This means that 90% of medical costs are paid for by the insurance company, leaving the other 10% to be paid by you.
If you are between the ages of 18 and 26, you can get health insurance through your parent’s health insurance plan.
If you are between the ages of 18 and 29, you should consider Colorado Young Adult or CYA plans. These are catastrophic plans designed for people who are young and in good health.
Catastrophic plans usually have:
- High deductibles.
- Lower premiums.
- They protect you from high cost emergencies.
You can also choose a plan from the Marketplace and see if you qualify for financial help.
All plans offered through the Marketplace are in compliance with new federal requirements.
To read the Full Text of The Affordable Care Act and Reconciliation Act, visit