The health care law offers rights and protections that make coverage more fair and easy to understand. Some rights and protections apply to plans in the Health Insurance Marketplace ® or other individual insurance, some apply to job-based plans, and some apply to all health coverage. The protections outlined below may not apply to grandfathered health insurance plans.
How the health care law protects you
- 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
Additional rights and benefits:
- 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
Resources
- About the Affordable Care Act
- Regulatory and Policy Information
- For Navigators, Assisters & Partners
- For Agents and Brokers
- For the Media
- For Researchers
- For States
- Information in other languages
- Register to vote
Connect with us
- Questions? Call 1-800-318-2596
- Find Local Help
- Visit the HealthCare.gov blog
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