General10 Reasons to Have Obamacare Health Insurance

When wondering why you should have health insurance, there are specific services deemed essential that are automatic under the small-group marketplace. This includes prescription drugs, pediatric services, preventive and wellness services, chronic disease management, emergency services, hospitalization, mental health and addiction services, pregnancy, maternity and newborn care, ambulatory patient services, laboratory services, rehabilitative and habilitative services, and devices.

Although these are essential needs, it’s important to have the right insurance plan that covers everything. Obamacare Health Insurance, or the Affordable Care Act (ACA), has been around since 2010 providing healthcare coverage for millions of Americans. Although it has been a controversial law, it has a lot of benefits that help the general public, not just the people who can afford to pay high premiums.

Let’s take a look at why Obamacare health insurance is a positive thing:

• Availability
  Health insurance coverage is available to every American who wants it. Situations, where people were denied health coverage due to pre-existing conditions, are now a thing of the past. Younger adults and children can now have access to the coverage they would have turned away due to cost.
• Affordability
  The ACA put the burden on insurers to make sure they provide health care coverage at reasonable rates. While most people have to pay a premium, there is still a wide range of options available for coverage. With the government providing additional subsidies, health care coverage is affordable for many.
• No denials
  Not only is healthcare coverage available, but it’s also guaranteed. There used to be a time when people who had cancer or other terminal diseases were turned away for coverage. Now, even with preexisting health problems, you cannot be denied a health insurance policy, saving people thousands of dollars in medical expenses. Anyone seeking health insurance is guaranteed a policy. Insurers are compelled to issue policies.
• No time limits
  Prior to Obamacare, people who had serious medical issues would exhaust their policy coverage, putting them back in a position where they could not afford care. Insurance companies don’t have the authority to set a dollar limit on the coverage they provide anymore, helping millions of people get the care they need.
• Preventative screenings
  There are many preventative services and screenings now available to individuals at low or no cost. By having these services available, physicians can identify when something is not right before it starts getting out of hand. This helps improve the quality of life and lessens the mortality rate.

• Cheaper prescriptions
  The cost of prescription medicines continues to rise, but the drugs covered under Obamacare continue to grow year by year. This helps people get the name brand and generic drugs they need affordable.

• No discrimination
  No one can be denied health insurance based on their race, gender, socioeconomic or health status, or age. Women cannot be charged more for insurance and have guaranteed coverage for women’s health essentials.

• More health services in rural areas
  Residents in rural areas have more access to healthcare coverage that in most cases is covered by Medicaid. With Medicaid expansion, more rural medical facilities are able to provide quality healthcare services for those who were disproportionately excluded.

• Disabled protections elevated
  The disabled community has more protection under the ACA, as there are no more lifetime or annual coverage limits. This helps millions of Americans who suffered when their coverage met its limits.

• Seniors on Medicare have lower costs
  The ACA has been a plus for seniors who experience steadily climbing costs of prescription drugs and healthcare. The Medicare program also went through promising changes that work to improve healthcare costs and improve the level of care.

These benefits have placed health insurance as a priority for many people who feared they would not be able to get the care they need. In fact, if the ACA were repealed, it would be hard on the economy in a few ways. Since the pandemic, more people have taken a vested interest in getting the care they need to improve their quality of life. Without Obamacare, this would not have been possible, and costs would have been so high that good care would be unattainable. You can learn more about the pros and cons of ACA here.

Now, there are subsidies in place that help individuals continue having quality healthcare at affordable prices to ensure Americans put their health first. There are agencies in place designed to assist in figuring out the right healthcare plan at the right price to make sure people avoid going into debt due to high medical costs. The team at Obamacare provides real-time comparisons of healthcare policies from major insurance carriers and brokers.

Healthcare companies like Aetna, Humana, Blue Cross and Blue Shield, United Healthcare, Cigna, and Assurant are just some of the companies that carry policies with affordable rates. The entire process is 100% safe and secure, with your information remaining confidential. Now is a great time to obtain health insurance with the new laws in effect that take income into account, providing financial assistance to those who are at or below the poverty line and would not be able to afford policies. Being able to shop over the phone for free health insurance quotes from wherever you are makes a difference.

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