Whether you need health care coverage or you already have it, the Affordable Care Act was designed to help you by giving you more control over your coverage. Through the Health Insurance Marketplace created under the ACA, you’ll be able to compare coverage options based on price, benefits, quality and other features, and choose a combination that fits your needs and your budget.
In addition, it offers new rights and consumer protections, as well as other benefits such as free preventive care.
The Health Insurance Marketplace may affect other aspects of your NC health care coverage in 2014:
- On average, costs may be lower.
When you fill out an application for the Marketplace, you’ll find out if you’re eligible for a new way to save money on private insurance. You’ll also find out if you qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).
- Essential health benefits are covered.
All plans must cover a comprehensive set of essential health benefits, including doctor visits, preventive care, hospitalization, prescriptions and more.
- Pre-existing conditions are covered.
Plans can’t deny you coverage or charge more because of pre-existing health conditions, including a pregnancy or disability.
Beginning in 2014, most people will have to have health coverage, and those who don’t may have to pay a fee.
Still have questions? To learn more about how the Affordable Care Act and the Health Insurance Marketplace will affect you, contact Independent Benefit Advisors in North Carolina at (919) 303-9690. We’ll gladly help you sort through your health care coverage options.
Independent Benefit Advisors is happy to help navigate the NC Health Insurance Marketplace. We serve clients in Apex, Raleigh, Durham, Cary, Charlotte, Fuquay-Varina, Greensboro, Rocky Mount, Sanford, Wake Forest and other locations throughout North Carolina.