ACA Marketplace Health Insurance
ACA / Marketplace health insurance provides comprehensive individual and family health coverage for people who don't receive coverage through Medicare or an employer. ACA plans have several strong consumer protections and benefits including:
- Cover the 10 Essential health benefits
- Coverage of Pre-existing conditions
- They offer financial assistance through Premium Tax Credits for those individuals and families who qualify.
- Annual out-of-pocket protection
- No annual or lifetime dollar limits
- Rx drug coverage (vary by plan)
- Guaranteed availability during enrollment periods, with NO MEDICAL UNDERWRITING
Aura helps you compare available plans amongst a variety of carriers and to understand your costs, identify possible premium tax credits available, verify your preferred physicians, hospitals and pharmacy are in-network and lastly assist you with getting through the application submission process smoothly and efficiently.
Our primary goal is to help you choose the coverage that best fits your healthcare needs and budget.
Comprehensive Coverage
ACA-compliant health plans provide comprehensive major-medical protection, including these 10 Essential Health Benefits:
1. Ambulatory Patient Services (outpatient care)
2. Emergency Services
3. Hospitalization
4. Pregnancy, Maternity & Newborn Care
5. Mental Health & Substance Use Disorder Services
6. Prescription Covered Drugs
7. Rehabilitative Services and Devices
8. Laboratory Services
9. Preventive & Wellness Services & Chronic Disease Management
10. Pediatric Services - including Oral & Vision Care for children
Built-In Protections
ACA plans cover pre-existing conditions and also provide annual limits on your out-of-pocket costs for covered in-network Essential Health Benefits (EHBs) and prohibit annual or lifetime dollar limits on EHBs.
Annual out-of-pocket maximum - limits your financial exposure for covered, in-network care.
Preventive care covered - Many recommended preventive services are covered without cost-sharing when requirements are met.
Guaranteed Availability - Health status cannot be used to deny ACA-compliant coverage during an eligible enrollment period.
No Medical Underwriting - You health history does not determine whether you qualify.
Tax Credits / HSA Eligibility
We at Aura understand medical insurance is a very large expense and therefore we take extra time with helping determine possible Premium Tax Credit availability.
Depending on eligibility and plan availability, you may be able to pair an ACA health plan with a Health Savings Account (HSA) and receive valuable tax advantages for qualified healthcare expenses. Contact us to learn more!