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The Affordable Care Act (ACA) is changing the way people view healthcare insurance. The health reforms brought about by the ACA will affect insurance costs and coverage for young and old alike. The following are a few of the major changes you can expect from this legislation.

Under the ACA, insurance companies cannot deny coverage to individuals with pre-existing conditions. If you were unable to obtain health insurance in the past due to a pre-existing condition, you will be eligible for coverage through this law.

The ACA makes it mandatory for qualifying individuals to have health insurance coverage by 2014 or be susceptible to pay a fine.

You can compare and purchase health insurance plans on insurance marketplaces set up in every state. Health coverage and costs vary according to individual need. Depending on your income, you may qualify for credits to help lower the cost of insurance coverage.

All insurance plans under the ACA will offer consumers essential health benefits to include preventive care, doctor visits, prescription drugs, hospitalization and more.

ACA goes into effect in January 2014. Open enrollment began October 1, 2013, and continues through March 31, 2014. 

Find out more about healthcare reforms, costs and coverage in California by contacting Medwin Insurance Agency. 

 
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