Your Rights

The Affordable Care Act intends to make health insurance fairer and easier to understand.  It also guarantees your protection in a number of ways

  • Insurance companies can no longer refuse to cover people with pre-existing health conditions 
  • Insurance companies are held accountable for increasing rates
  • It is now illegal for health insurance companies to arbitrarily cancel your health insurance because you got sick 
  • Protects your choice of doctors
  • Children can now stay on their parents' plan until 26
  • Ends lifetime and yearly dollar limits on coverage of essential health benefits 

Options for People with Job-Based Coverage

Changing to a Market Place Plan

IF you are unsatisfied with the health insurance coverage provided to you through your employer, you can switch to a marketplace plan. However, this may be a less affordable option because switching to a marketplace plan might mean you no longer qualify for certain tax credits.

This will depend on: 

You are considered covered if you have a job-based plan

Under the Affordable Care Act, your employer is not allowed to offer a health plan that does not qualify as minimum essential health coverageYou will not have to pay the uninsured penalty,and changing to a Marketplace plan will not yield the same benefits for you as it would for an uninsured person. 

For Employees 

Preventive Care

Under the ACA, most job-based plans offer the following preventive care services for free, meaning without a copay, even if you have not met a deductible as long as you receive the services from a network provider. 

  1. Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
  2. Alcohol misuse screening and counseling 
  3. Aspirin use to prevent cardiovascular disease for men and women of certain ages
  4. Blood Pressure Screening for all adults
  5. Cholesterol screening for adults of certain ages or at higher risks 
  6. Colorectal cancer screening for adults over 50
  7. Depression screening for adults
  8. Diabetes (Type 2) screening for adults with high blood pressure
  9.  Diet Counseling for adults at higher risk for chronic disease
  10.  HIV screening for everyone ages 15 to 65, and other ages at increased risk 
  11. Immunization vaccines for adults--doses, recommended ages, and recommended populations vary 
  12. Obesity screening and counseling for all adults
  13. Sexually Transmitted Infection (STI) prevention counseling  for adults at higher risk 
  14. Syphilis screening for all adults at higher risk. 
  15. Tobacco Use screening for all adults and cessation interventions for tobacco users. 

Affordable Care Act

Affordable Care Act for Small Business Employees