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Affordable Care Act (ACA) Health Insurance
What is ACA Health Insurance?
- Available to individuals and families who don’t have coverage through an employer or a government program like Medicare or Medicaid.
- Cover essential health benefits, such as preventive care, hospital stays, prescriptions, maternity, and mental health services.
- Offer protections — you cannot be denied coverage due to pre-existing conditions.
- Provide financial assistance (premium tax credits and cost-sharing reductions) for those who qualify based on income and household size.
Enrollment Periods
- Open Enrollment Period (OEP): Runs from November 1 through January 15 in Texas. This is when you can apply for new coverage, renew your current plan, or make changes.
- Special Enrollment Periods (SEP): If you experience a life event such as marriage, birth of a child, or loss of other health coverage, you may qualify to enroll outside of the standard window.
Types of ACA Plans
- Bronze Plans: Lowest monthly premiums, higher out-of-pocket costs. Best for those who want basic coverage and don’t expect frequent medical care.
- Silver Plans: Moderate premiums and costs. If you qualify for cost-sharing reductions, you must choose a Silver plan to receive those extra savings.
- Gold Plans: Higher monthly premiums but lower out-of-pocket costs when you receive care.
- Platinum Plans: Highest premiums, lowest costs when using services. Best for those with high healthcare needs.
Disclaimer:
Lending Hand Insurance is not connected with or endorsed by the U.S. government or the federal Health Insurance Marketplace. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please visit HealthCare.gov to review all your options.