Rights, Protections, & the Law
Where can I read the Affordable Care Act?
You can read the Affordable Care Act by visiting the links below. The health care law, sometimes known as “Obamacare,” was signed on March 23, 2010.
How does the health care law protect me?
Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand.
What if I don't have health coverage?
If you don't have health coverage in 2014, you may have to pay a fee. You also have to pay for all of your health care.
How do I qualify for an exemption from the fee for not having health covera...
Most people must have health coverage or pay a fee (the “individual shared responsibility payment”). You can get an exemption in certain cases.
How can I protect myself from fraud in the Health Insurance Marketplace?
When you apply for health coverage through the Health Insurance Marketplace, you can protect yourself from fraud by following a few simple guidelines.
Can I appeal a Marketplace decision?
If you don’t agree with a decision made by the Health Insurance Marketplace, you may be able to file an appeal.
What are my preventive care benefits?
Most health plans must cover a set of preventive services like shots and screening tests at no cost to you. This includes Marketplace private insurance plans.
Do Marketplace insurance plans cover mental health and substance abuse serv...
All Marketplace insurance plans cover mental health and substance abuse services as an essential health benefit.
What if I have a grandfathered health insurance plan?
If you are covered by a plan that existed March 23, 2010, your plan may be "grandfathered." You may not get some rights and protections that other plans offer.
What are my birth control benefits?
Plans in the Health Insurance Marketplace must cover contraceptive methods and counseling for all women, as prescribed by a health care provider.
Married same-sex couples and the Marketplace
For coverage starting in 2015, an insurance company that offers health coverage to opposite-sex spouses must do the same for same-sex spouse.
How do I appeal a health plan decision?
If your health insurer refuses to pay a claim or ends your coverage, you have the right to appeal the decision and have it reviewed by a third party