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10 essential health benefits must be provided which include mental health care, maternity care, and prescription drugs
Preventative services are free, which include: immunizations, contraceptives, cancer screenings, STI testing, pelvic exams, others
Individuals with pre-existing conditions can't be denied coverage or charged a higher rate
You may qualify for a subsidy, which helps reduce the monthly cost of your health plan
Young adults can remain on their parent's insurance plan until age 26
No lifetime and annual coverage limits
HMO, PPO, EPO, or POS: Which Type of Plan Is Right for You?
The type of insurance plan you pick determines how many providers will be covered under your plan and whether you'll need a referral from your Primary Care Doctor (PCP) before seeing a specialist (e.g dermatologist, cardiologist, radiologist).
|Types of Major Medical Plans|
|Do specialists and procedures require a referral?||Do I have to stay in-network to get coverage?||Is it for me?|
|HMOHealth Maintenance Organization||Yes||Yes(Except for emergencies)||If you want more provider options and don’t want to have to deal with referrals.|
|PPO Preferred Provider Organization||Yes||No(In-network care is less expensive)||If you want more provider options and don’t want to have to deal with referrals.|
|EPO Exclusive Provider Organization||No||Yes(Except for emergencies)||If you want lower out-of-pocket costs but don’t want to have to deal with referrals.|
|POS Point-of-Service Plan||Yes||No(In-network care is less expensive; referral needed for out-of-network)||If you want more provider options and a primary care doctor that coordinates your overall care.|
Obamacare Metal Plans: What They Are, How They Work
There are 4 different coverage levels, often referred to as “metal plans” because of their corresponding names: Bronze, Silver, Gold, and Platinum. They all offer the same essential health benefits. The main difference among Bronze, Silver, Gold, and Platinum plans is how much you pay for care versus how much your plan covers.
Most Popular Questions About Obamacare
Q: What Is the Difference Between Obamacare and the Affordable Care Act?
There is no difference between the Obamacare and the Affordable Care Act. They both refer to the exact same thing.Read More
Q: Can I Buy Health Insurance That Is Not Obamacare?
Yes, it’s possible to buy health insurance that is not Obamacare, although there are significant drawbacks to doing so.Read More
Q: What Is Catastrophic Health Insurance?
If you're under the age of 30, you qualify for this low-premium, ACA-compliant health plan.Read More
Most Popular Obamacare Articles
You can join a health insurance plan each year between November 1 and December 15.
Before 2014, it was uncommon for health insurance plans to cover all of these health benefits at once; the Affordable Care Act changed that.
The Affordable Care Act (Obamacare) makes health insurance required for Americans, but also ensures that certain benefits are provided.