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The New Law 

The Affordable Care Act requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. But it also gives millions of uninsured people access to health plans at different cost levels and it provides financial assistance to those who qualify based on family size and income. 

You can shop at a new online Health Insurance Marketplace, also known as an exchange, where you can one-stop-shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family. 

What Will The Plans Cover? 

There will no longer be denials for pre-existing conditions. Coverage will include doctor visits, hospital stays, wellness care, prescriptions, emergency service and more. In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care services will be provided at no additional cost to patients. 

Open Enrollment Starts November 15, 2014. 

If you do not have health insurance, you are required to sign up during open enrollment, from November 15, 2014 to February 15, 2015. You can shop for plans by phone, through a broker, or at the online Marketplace, where you can easily compare benefits and costs. If you do not sign up, you will face tax penalties.