We know how important it is to understand what the Affordable Care Act offers. There are new benefits, rights and protections that affect you, your family and your business. For this reason, we want to provide a comprehensive guide that will assist you in further understanding what the bill offers, so you can make well-informed decisions.
ObamaCare helps consumers obtain health insurance by offering new coverage options, helping those who can’t afford it and putting in place strong protections.
New reforms include:
- Young adults can stay on their plans until 26.
- Insurance companies cannot drop you when you are sick.
- There can be no gender discrimination in costs.
- Insurance companies must cover people with pre-existing conditions.
- There are no annual or lifetime dollar limits.
- And more…
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.
Texas Individuals & Families: Find out the most cost efficient healthcare insurance for you
You have access to these benefits through the Health Insurance Marketplace, which offers federally regulated and subsidized health insurance.
The Marketplace can help if you don’t have coverage now or if you have it but want to look at other options. For the state of Texas, you can visit HealthCare.gov to access yours!
The Marketplace or Exchange gives consumers the opportunity to compare prices and plans before applying. When you follow the application process, you can also learn if you can get lower costs based on your income while comparing your coverage options side-by-side. Thanks to this system, you can choose the combination of price and benefits that fits your budget and meets your needs. Enrolling through the Exchange is easy and fast.
If you have any questions or concerns, take advantage of this free ObamaCare Guide.
ObamaCare has already produced major changes in the state of Texas.
- 9,592 Texans with pre-existing conditions have gained coverage through the Pre-Existing Condition Insurance Plan since the program began.
- Thanks to the new coverage options for young adults, over 3 million young people who would otherwise have been uninsured have gained coverage nationwide, including 357,000 young adults in Texas.
- 7,536,000 people in Texas, including 2,771,000 women and 2,094,000 children, are free from worrying about lifetime limits on coverage.
- In 2011 and 2012, 71 million Americans with private health insurance gained preventive service coverage with no cost-sharing, including 5,198,000 in Texas.
- In 2012 206,304 individuals in Texas saved over $140 million, or an average of $680 per beneficiary.
- In 2012, people with Medicare in the “donut hole” received a 50 percent discount on covered brand name drugs and 14 percent discount on generic drugs.
- In Texas, people with Medicare saved nearly $421 million on prescription drugs because of the Affordable Care Act.
- From 2010 to 2012, Medicare spending per beneficiary grew at 1.7 percent annually.
- Health Center grantees in Texas have received $224,639,256 under the health care law to support ongoing health center operations and to establish new health center sites, expand services, and/or support major capital improvement projects.
- As of September 30, 2012, there were 325 National Health Service Corps clinicians providing primary care services in Texas, compared to 115 in 2008.