Low Cost Health Insurance

Before the Patient Protection and Affordable Care Act became Federal law in 2010, insurers could refuse to cover various health conditions, resulting in overwhelming debt to many people. Before the ACA, even employer-based health plans often denied coverage for people with pre-existing conditions.

The ACA, also known as Obamacare, fixed many loopholes, guaranteed coverage regardless of pre-existing conditions, and required all qualifying plans to provide the mandated health coverages listed below.


Affordable Care Act Mandated Coverage

  • Emergency services
  • Prescription drugs
  • Ambulatory patient services (Hospital services that don’t require an overnight stay)
  • Hospitalization
  • Laboratory services
  • Maternity and newborn care
  • Pediatric services (for children), including dental and vision care
  • Mental health and substance abuse services
  • Preventive and wellness services, including chronic disease management
  • Rehabilitative/habilitative services and devices

National Healthcare Current Events: Summer 2020

Many people are curious about the Republican Healthcare plan.  The Trump health care plan has yet to be defined. (as of 8-12-2020)   There have been minor changes To ACA Under Trump, yet despite these efforts to restrict the program, enrollment has increased in 2018, 2019, and large increases are anticipated in 2020. 

Based on current legal challenges to the ACA by the administration, the goals of the Trumpcare plan are to remove the pre-existing conditions requirement.

Read about pre-existing conditions

The Trump insurance plan also seeks to abolish the premium tax credit and subsidies that keep the Obamacare ACA coverage affordable, limit the Medicaid expansion, and abolish the mandated minimum coverages required by the Affordable Care Act. Read article on Cancel ACA? Yes-No-Maybe-Never?

This effectively returns the healthcare market to its former market-driven approach.

Click here for more information about the affordable care act