Since US Americans are in a health insurance enrollment period right now, I thought I would share a list of resources and protections for everyone who is selecting a health plan for 2025 right now. Everyone - regardless their health - in the US has the right to health insurance under the Affordable Care Act. To enroll, check healthcare.gov or its equivalent in your state:
- Requires insurance plans to cover people with pre-existing health conditions, including pregnancy, without charging more
- Provides free preventive care
- Gives young adults more coverage options
- Ends lifetime and yearly dollar limits on coverage of essential health benefits
- Helps you understand the coverage you’re getting
- Holds insurance companies accountable for rate increases
- Makes it illegal for health insurance companies to cancel your health insurance just because you get sick
- Protects your choice of doctors
- Protects you from employer retaliation
- Breastfeeding equipment and support
- Birth control methods and counseling
- Mental health and substance abuse services
- The right to appeal a health plan decision
- The right to choose an individual Marketplace plan rather than the one your employer offers you
If you want to consult with a person about your coverage, try calling the American Agent Alliance, which is a list of real insurance agents compiled by The Department of insurance. American Agents Alliance (866) 497-9222
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