Understanding the Affordable Care Act  (ACA)

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How to get started if you're looking for an ACA plan

There’s a lot of talk about the Affordable Care Act (ACA) and the Health Insurance Marketplace. But when it comes to figuring out how it all works and what it means, it can be confusing. Here are some details to help you get started. 

There are several ways to buy health insurance

You may get your health insurance coverage from:

  • Your employer

  • Health insurance companies

  • Health Insurance Marketplaces 

If you’re looking for an ACA plan on the Health Insurance Marketplace or have questions, call 800-980-5213.

Coverage for pre-existing conditions

Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014. 

Open enrollment is your time to buy health insurance

Open enrollment dates for 2020 are November 1, 2019 to December 15, 2019. It's the time of year when you can shop for individual health insurance and purchase a plan. You can call 800-980-5213 or go to the Health Care Marketplace at Healthcare.gov to explore your ACA options.

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