A trusted independent health insurance guide since 1994. Show Image: Mangostar / stock.adobe.com Image: Mangostar / stock.adobe.com Q. I already had great employer-sponsored health insurance that covers my pre-existing conditions, even before the ACA was enacted. So how does Obamacare help me? It seems like the only thing the ACA is doing is making my employer jump through more hoops, and making my coverage more expensive. A: You’re fortunate to have had great coverage, but many Americans were not so fortunate in the years before the ACA was enacted (and to be sure, we still have a long way to go in terms of ensuring that everyone has access to good quality health coverage that provides for their medical needs). But there are several ways that the ACA protects you as a member of an employer group plan:
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts. Related articles
Dreading higher premiums?Even if you won't get an ACA premium subsidy, there a handful of strategies you can try to help make your health insurance coverage more affordable in 2014 and beyond.
ACA: threat to employer-sponsored plans?If you are among the 60 percent of Americans who have health insurance coverage through your workplace, you may be worried about how Obamacare is affecting your coverage. But should ...
Have employers dropped spouses from employer-sponsored plans because of Obamacare?Q. I have heard that because of Obamacare, employers have been dropping spouses from their plans. Is this true? A. Obamacare increased the options employees' spouses have for obtaining health ...
Your employer is dropping health coverage. Yay?If your employer drops your company-sponsored health insurance and sends you to the exchanges for coverage, everybody could win.
This battle to protect Americans with pre-existing conditions is personalPeter Morley's own chronic health issues (10+ and counting) inspired him to share the stories of other Americans with pre-existing conditions. He's held more than 275 meetings with members of ... Can health insurance deny preHealth insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
Which policy covers preThe PED insurance would cover the costly treatments of such diseases. Some of the most common pre-existing conditions include thyroid, high blood pressure, diabetes, asthma, cholesterol, etc.
What are preThe time period during which a health plan won't pay for care relating to a pre-existing condition. Under a job-based plan, this cannot exceed 12 months for a regular enrollee or 18 months for a late-enrollee.
Is there a waiting period for preNo. There are no waiting periods for medical plans, including for pre-existing conditions. When choosing a health plan, consider your medical needs.
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