Obamacare - ffl-financial.com

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Understanding the Affordable Care Act Essentials.

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FEBRES INSURANCE AGENCY 2021

The Affordable Care Act "Obamacare".

(Affordable Care Act), also known as Obamacare, was signed into law on March 23, 2010 and promoted by the President Barack Obama. It is a Health Care Reform, aimed to make health insurance more affordable and accessible to everyone.

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When we say affordable, we mean Obamacare gives health care subsidies to individuals and families based on age, household size and income.

The insurance covers many treatments and health conditions that were not covered before. It is accessible, because now people with pre-existing conditions and pregnant women can' t be rejected by insurance companies.

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How it works Obamacare?

The Affordable Care Act establishes an open enrollment period, known as Obamacare Open Enrollment. This period begins on November 1 and ends on December 15.

Only in the Open Enrollment can you apply for Obamacare, unless you qualify for a special enrollment period. Actually, by President Joe Biden's decree, due to the COVID 19 pandemic, a new enrollment period was opened from February 15 to August 15.

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Who qualifies for Obamacare?

Individuals with legal status in the United States and have certain income requirements qualify for Obamacare.

If you do not have health coverage through your employer, Medicare, or Medicaid, you can get covered through the Insurance Marketplace. If you are eligible for an Obamacare health plan, the government gives you a subsidy to help pay for a large part of your health insurance.

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Obamacare eligibility:

1. Have lawful immigration status in the United States. 2. Minimum Income. 3. Apply during the Open Enrollment Period, or if you qualify

for a Special Period, apply within the established limits. 4. If you are married, you must file a joint tax return. 5. You cannot be claimed as a dependent of another individual. 6. You must not have health coverage through your employer. 7. You must not be jailed.

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10 Obamacare's essential benefits.

Whether you buy Obamacare health insurance, through a private company or through your employer, you can receive the "10 essential benefits" for health care:

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1. Preventive care, general check-ups, chronic disease treatment.

2. Prescription drugs

3. Medical emergencies

6. Pediatrics 7. Pregnancy, childbirth and postpartum 8. Psychiatry, addictions treatment

4. Hospitalization

9. Rehabilitative Therapies

5. Laboratories

10. Outpatient care

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Obamacare achievements.

This initiative allowed, for the first time, more than 40 million individuals to have health insurance in the United States. This population, until then, had no way to support their health expenses because they did not qualify for this benefit. They did not meet the requirements of the insurance companies. Obamacare came along to change that.

The Affordable Health Care Act also expanded the Medicaid program, covers more low-income adults, and subsidizes private health care through the Health Insurance Marketplace.

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