Having access to affordable and adequate health care coverage, which helps cover the cost of medical and surgical expenses, is important for people living with asthma and allergies. Asthma and allergies are chronic diseases which can result in numerous and/or unexpected emergency room visits, hospitalizations, doctors’ visits, and high medication costs. With health care coverage, individuals and families can access the physicians, medications, supplies, and education they need.
Over the past few years, accessing health care coverage has been made easier by recent reforms like the Patient Protection and Affordable Care Act (ACA). The ACA allows individuals to directly enroll in their own health insurance plan at an affordable rate. The ACA has allowed those that do not receive healthcare from their family, job, Medicare, or Medicaid, to have access to affordable health care and improve their quality of life.
Recent Health Care Reform
The Patient Protection and Affordable Care Act (ACA), passed in March 2010, makes it even easier to get health insurance at an affordable rate. Commonly used terms are defined here.
Through the ACA, individuals and families can now shop around, compare prices, and enroll in private health insurance through the Health Insurance Marketplace. Anyone can obtain health insurance through the Marketplace. Those who meet certain income requirements and who do not qualify for affordable job based health coverage, or other types of coverage, are able to get financial help for a plan obtained in the Marketplace. People that apply may qualify for premium tax credits that will lower the costs of coverage. For more information about how to compare prices and purchase a private insurance plan, please click here. [i]
With the ACA, premium costs (the amount of payment required by an insurer to provide coverage) are no longer based on pre-existing conditions, health status, claims history, duration of coverage, gender, occupation, and small employer size and industry. The only factors that can affect premiums on new insurance plans are income, age, tobacco use, family size, geography, and type of plan you buy.
[i] Healthcare.gov. Health Insurance Marketplace basic. https://www.healthcare.gov/quick-guide/