If you have a pre-existing condition, you may be worried about how it will affect your health insurance premiums. The good news is that thanks to the Affordable Care Act (ACA), health insurance companies can no longer deny coverage or charge higher premiums to people with pre-existing conditions.
This is a huge victory for people with chronic health conditions, who used to be at risk of being denied coverage or facing unaffordable premiums.
The ACA’s pre-existing condition protections have made it possible for millions of people with pre-existing conditions to get the health insurance they need.
Of course, having a pre-existing condition can still affect your health insurance premiums. But the ACA has put in place a number of measures to help keep premiums affordable for people with pre-existing conditions. These measures include:
- Tax credits: The ACA provides tax credits to help people with low and middle incomes afford health insurance. These tax credits can be used to offset the cost of premiums, deductibles, and copays.
- Cost-sharing subsidies: The ACA also provides cost-sharing subsidies to help people with low and middle incomes afford the out-of-pocket costs of health insurance, such as deductibles and copays.
- Medicaid expansion: The ACA expanded Medicaid, the government health insurance program for low-income people. This expansion has made it possible for millions of people with pre-existing conditions to get Medicaid coverage.
As a result of these measures, the average premium for a health insurance plan with pre-existing condition protections is now lower than the average premium for a plan without pre-existing condition protections.
If you have a pre-existing condition, it’s important to shop around for health insurance and compare plans carefully. You can use the ACA’s health insurance marketplace to compare plans and find one that fits your needs and budget.
And if you’re having trouble affording health insurance, you may be eligible for tax credits or cost-sharing subsidies. To find out if you qualify, you can use the ACA’s online tool.
The ACA’s pre-existing condition protections have made a real difference in the lives of millions of people with chronic health conditions.
If you have a pre-existing condition, don’t let your health insurance premiums hold you back from getting the care you need. Shop around for a plan and take advantage of the ACA’s help to make health insurance affordable.
Self-Enroll for $0 at EveryHealthGroup.com
If you’re looking for a health insurance plan that’s affordable and has pre-existing condition protections, you should check out EveryHealthGroup.com.
EveryHealthGroup is a health insurance marketplace that offers a variety of plans from different insurers. You can compare plans and find one that fits your needs and budget.
And right now, you can self-enroll for $0 at EveryHealthGroup.com. That’s right, you can get a health insurance plan with pre-existing condition protections for free.
So what are you waiting for? Visit EveryHealthGroup.com today and start shopping for a health insurance plan.