Qualifying for Affordable
Health Coverage
Having health coverage ensures access to a wide range of healthcare services, including preventive care, routine check-ups, and treatment for illnesses or injuries.
Who Might Qualify for Private?
Healthy Individuals, Families, Self-Employed.
What are ACA Plans?
Under the Affordable Care Act (ACA), also known as Obamacare, insurance companies offering ACA plans in the individual and small group markets are required to offer coverage to everyone, regardless of their health status or pre-existing conditions. This is known as guaranteed issue, and it means that insurance companies cannot deny coverage or charge higher premiums based on an individual's health status or medical history.
"Do You Even Qualify?"
Unlike ACA plans, non-ACA plans may take into account an individual's health status when determining eligibility. Some plans may require applicants to undergo medical underwriting, where they provide detailed information about their health history, current conditions, and lifestyle factors. Based on this information, the insurance company may approve or deny coverage or adjust premiums accordingly.
