Affordable Care Act

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Affordable Care Act

The Affordable Care Act (ACA) also known as ObamaCare, Health Insurance Reform and Health Care Reform, has dramatically changed healthcare in the United States and it applies to ALL NEW health plans with or without a Federal Subsidy grant.

In Jacksonville Florida there are 49 health policies offered with different premiums, provider networks and plan benefits. When web surfing for the “best option” remember price is only one of the three key components. You should check provider networks for your doctors and hospitals plus consider the plan coinsurance, copays and deductibles. So, unless you are insurance savvy and computer efficient comparing all of this can be a daunting task. It is much easier and secure to let us do the free research for YOUR 3Rs *** Right Doctors, Right Coverage, Right Price!


If Open Enrollment has ended, you may qualify through a Triggering Event for a Special Enrollment and you will have 60 days to apply: 1) Gain Dependent 2) Gain Citizenship 3) Loss Group Coverage 4) Move New Area.  These are the main Triggers but there are other opening Events so contact us for your eligibility questions.

CAUTION – If you buy a Non-Qualified Health Plan you are subject to a Penalty because the policy does not meet ACA requirements, does not cover pre-existing conditions, and has limited benefits.

Who does it Help?

With ObamaCare, all Americans are provided with an affordable option for health care. However, it has been targeted to specifically help certain groups including:

  • Those with pre-existing conditions needing health insurance.
  • Low- and middle-income Americans struggling to afford health care.
  • Young adults with difficulty getting or affording health care.

If you buy health care on your own and you don’t have a plan through your place of employment, the Affordable Care Act provides a new marketplace for health insurance. This marketplace provides help for anybody in need of health coverage by offering less expensive plans with more comprehensive benefits. We at Thomas and Associates can help you find a plan that works with Affordable Health Care and gives you the coverage you want Florida Health Insurance.

Facts about Health Care Reform

Patient Protection and Affordable Care Act or PPACA is the official name for Health Care Reform. It was signed into law on March 23rd, 2010 and the Supreme Court upheld it on June 28th, 2012. Then again upheld the decision for subsidies on June 25, 2015.

The goal of Health Insurance Reform is to provide accessible, quality health insurance for United States residents, at an affordable price. The PPACA achieves this goal through taxes, subsidies, insurance exchanges, consumer protections, regulations and other reforms. Florida Health insurance is provided through the National Exchange, but your agent can help you make sure you pick the plan that bests suits your needs at no additional costs.

An open enrollment period is provided every year for those without coverage. Once this period expired, those needing health insurance can obtain short-term health insurance until the next open enrollment period, unless they are eligible for a special enrollment period.

About one out of every six Americans selecting a plan from the health insurance marketplace was able to get coverage for less than $100 per month. More than 85% of those using the marketplace plans received financial assistance in 2015. A few other facts about ObamaCare are:

  • Young adults may stay on their parents’ healthcare plan until they are 26 years of age.
  • Insurance companies cannot deny coverage or charge more due to your health status.
  • Insurance companies cannot drop you when you become ill or if you make an honest mistake on your application.
  • Provides tax benefits for small businesses.
  • Requires larger businesses to provide insurance for employees.

The Affordable Care Act has changed many things about the way healthcare works in the United States. These are just a few of the major changes and facts about ObamaCare.

Benefits of the Affordable Care Act

Whether you need health coverage for your family or just for yourself, Health Insurance Reform provides many new benefits, rights, and protections. With the new Health Insurance Marketplaces or Exchanges, you can easily shop for health plans, which will provide the essential coverage you need to gain all the benefits, rights and protections of the Affordable Healthcare Act.

Cost assistance is the most important benefits and helps provide families, individuals and small businesses with affordable health coverage. ObamaCare allows for those fitting the income requirements to deduct a portion (up to 100%) of the cost of health coverage. Instead of paying out of pocket and taking the dedication on your annual taxes, the deduction is applied to your monthly premium.

Along with making health coverage more affordable, ObamaCare helped to expand Medicaid eligibility in 26 states. This expansion has allowed many Americans to take advantage of Medicaid even if they didn’t qualify in the past.

Other benefits associated with Health Care Reform include:

  • No lifetime limited or annual limited on healthcare.
  • Guaranteed issue, even with an existing condition.
  • A faster appeal process for insurance company decisions.
  • Easier summaries to help you understand the coverage and benefits provided with your plan.
  • Better women’s health services with more free preventative screenings and treatments.
  • Better care for seniors.
  • Many preventative services provided at no-out-of-pocket cost
  • All non-grandfathered plans must include coverage for hospitalization, maternity, newborn care, emergency care and prescription drugs with no out-of-pocket limit.
  • And Many More!

The Affordable Care Act has made it easy to find and obtain affordable healthcare plans with many new benefits.

Has ObamaCare Worked?

More than 6.5 million people had enrolled in a health plan by the end of 2014. This number included 2 million new enrollees and about 4.5 million auto-renewals and renewals.

Along with the numbers from 2014, it’s estimated that more than 11.5 million were enrolled in federal and state marketplaces by the end of open enrollment in 2015. More than 10.5 million were covered through CHIP and Medicaid, while over 5.5 million young adults were able to remain on their parents’ plan.

These numbers don’t include the many Americans covered through employer plans with expanded coverage under the Affordable Care Act. It also doesn’t include anybody using a private plan found outside the marketplace.

A report created by the Commonwealth Fund is the best proof of ObamaCare working, however. This report was issued in January of 2015 and showed a lower number of uninsured Americans with an increase in access to care and affordability. The number of uninsured Americans was the lowest it has been since 2001, according to the report.

Overall, the Affordable Care Act is not only working but also benefiting many Americans, especially low-to-middle income and young adults. If you have further questions about how ObamaCare works or how to ensure you have qualifying coverage, contact your local Jacksonville health insurance agent to learn more about affordable health insurance and get a custom quote.

For more information on On-Exchange Health Insurance Plans, click here.
For more information on Off-Exchange Health Insurance Plans, click here.

Why choose Obamacare Insurance

  • All plans are guaranteed issue, you can’t be denied for pre-existing conditions.
  • You may qualify for a financial subsidy to reduce your monthly cost.
  • If you earn below 250% of the federal poverty level you may receive cost-share reduction subsidy.
  • Great option to use if you are self-employed or not eligible for group health coverage.
  • Free No Obligation advice call Thomas & Associates for help (904) 730-3900

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