Health care reform can be confusing. We’re here to help.
The landmark Affordable Care Act (ACA) federal health reform law was passed by Congress in 2010. Some of the major provisions of ACA that are in place now include:
- Insurance companies are no longer allowed to deny coverage to those with pre-existing medical conditions
- Health insurance marketplaces have been established in each state to allow consumers to comparison shop for insurance
- Most Americans are now required to carry qualifying health insurance coverage to avoid a tax penalty
- North Dakota is one of a number of states that have expanded Medicaid eligibility to more citizens under ACA.
Here’s a brief video explanation of health reform.
Here is a look at some resources that help explain the basics of health care reform:
How to Purchase Insurance
A look at how you can enroll in insurance coverage, including how to navigate the online marketplace.
Health Insurance Requirement
Most Americans are now required to have a basic level of health insurance coverage or face a tax penalty from the IRS.
Health Insurance Marketplace
A brief overview of health insurance marketplaces.
New Health Plans
A look at the four basic levels of coverage available on online marketplaces and some other insurance plans.
Essential Health Benefits
Brief overview of the types of health care services that health insurance plans are required to provide a basic level of coverage to members on insurance plans.
Tax Credits on the Marketplace
Those who qualify based on income requirements can receive help paying their premiums if they purchase coverage online on a health insurance marketplace.
More information about health reform is available on our website and on Tips & Insights blogs.
Let us know if you have any questions.
Ryan Schuster is an editor in the Communications department at Blue Cross Blue Shield of North Dakota.