Affordable Health Care Act Provides New Way to Shop for Health Insurance - dummies

Affordable Health Care Act Provides New Way to Shop for Health Insurance

By Lisa Yagoda, Nicole Duritz, Joan Friedman

Part of Affordable Care Act For Dummies Cheat Sheet

Copyright © 2014 AARP. All rights reserved.

Every state has a Health Insurance Marketplace where people looking for coverage can go online to shop for health insurance. The Health Insurance Marketplace makes it easier to shop for health plans in your state. For further information, go to AARP Health Law Facts.

Here’s how the marketplace works:

  • All health plans are listed in one place, so you can make apples-to-apples comparisons of the benefits and prices.

  • Insurance companies are required to describe what’s included in simple language, so there’s no guesswork about what’s covered.

  • All plans offered in the marketplace are required to cover essential benefits, like doctor visits, hospital care, emergency care, prescriptions, preventive care and more.

Use our Health Law Answers tool to learn more about how to find coverage options for you and your family.

Financial help is available

For the first time, there’s help available to pay for health coverage. In fact, many people who buy their plan on the marketplace can get help covering the costs. Low-cost or free plans are also available depending on your income.

Need help finding a plan?

If you need assistance finding a plan or completing the application, help is available every step of the way. You can get your questions answered online, by phone, or in person.

Are you a small-business owner?

Check out the AARP small-business page to learn how you’ll use the marketplace to offer coverage to your employees.