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FAQ - SPEAK WITH AN AGENT NOW. (303) 990-5051

SPEAK WITH AN AGENT NOW. (303) 990-5051

Bảo hiểm sức khỏe, Health Care, Medicare, Long Term Care and Life Insurance

The Pros and Cons of the Affordable Care Act

The Affordable Care Act (ACA), also known as Obamacare, has garnered a lot of debate since its implementation in 2010. Although it has created a minimum level of coverage for many insured Americans’ healthcare benefits, it has also created some costly tax penalties for those who don’t participate. Even you may have a pros and cons list from your experience with the Affordable Care Act.

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Care Facts

  • 591,624 (90%) of Colorado’s uninsured and eligible population may qualify for lower costs on coverage in the Marketplace, including through Medicaid.
  • Under the health care law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old.
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Bảo hiểm sức khỏe: Obamacare và Medicare


Câu hỏi: Tôi vốn có Obamacare trong vài năm qua, hiện tôi đóng $110 một tháng. Quyền lợi bảo hiểm không nhiều, nhưng trời ban cho khỏe mạnh nên tôi cũng chẳng tốn kém bao nhiêu về vấn đề y tế. Nói chung, tôi hài lòng với cái chương trình hiện tại. Kẹt cái là tôi sắp tới 65 tuổi, là tuổi phải ghi tên Medicare. Tôi có cần mua Medicare không? Tôi có thể xin giữ lại Obamacare không?

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Obamacare under President Trump: What happens next?

Repealing Obamacare won't be that easy. Replacing it will be even tougher.

President-elect Donald Trump has promised to dismantle Obamacare as one of his first acts after taking office.


Yet he can't eliminate Obamacare on day one with the stroke of a pen. Killing the massive program that provides insurance to 20 million Americans would take time to work its way through Congress. Plus, there are many popular provisions that Trump has indicated he would retain in some form, such as covering those with pre-existing conditions.

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Quick Facts About Obamacare’s Health Insurance Marketplace

  • Minimum essential coverage is included in all marketplace coverage, most Major Medical Coverage sold outside the marketplace, Medicare, Medicaid, employer-based coverage, and more. It does not include short-term health insurance.
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The guaranteed issue, which is part of The Affordable Care Act, makes it necessary for health plans to let you enroll, regardless of health status, age, gender, or other factors that might predict the use of health services. Except in some states, guaranteed issue doesn’t limit how much you can be charged if you enroll.

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Yes, all Marketplace plans and many other plans under ObamaCare must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.
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FAQ - How Much Does Individual Health Insurance Cost?

A common misconception about individual health insurance is that it costs more than employer-based (“group”) health insurance. When in fact, on average, individual health insurance costs up to 60 percent less than comparable coverage on the group market. How much does individual health insurance cost? Let’s take a look.

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FAQs - Individual Health Insurance Marketplaces

Starting in 2014, the Individual Health Insurance Marketplaces will make it simple and more affordable for employees to get health insurance that can't be canceled or denied because of a pre-existing medical condition. Read on for Frequently Asked Questions regarding the individual health insurance marketplace.

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FAQ - What If I Miss Open Enrollment for an Individual Health Plan?

One big change brought on by the Affordable Care Act (ACA) is that individual health insurance plans will have open enrollment periods — set times when people can buy a qualified health plan through the Health Insurance Marketplace, or outside the Marketplace from an insurer or agent.

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FAQ: What is a Special Enrollment Period?

A special enrollment period is a time when you’re allowed to make changes to your health insurance plan even though it’s not an open enrollment period.

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FAQ: When is Open Enrollment for the Health Insurance Marketplaces?

Starting in 2014, health insurers will be prohibited from denying coverage to people in the individual health insurance marketplaces because of a pre-existing medical condition. This is commonly referred to as "guaranteed-issue."

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FAQs - The ACA's Pre-existing Condition Exclusion ("Guaranteed-Issue")

The Affordable Care Act’s pre-existing condition exclusion provision prohibits health insurers from denying coverage to individuals because of a pre-existing health condition. This provision is also referred to as "guaranteed-issue" because everyone - regardless of health conditions - is guaranteed to be issued health coverage.

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