How does the Affordable Care Act affect my health insurance?

The Affordable Care Act (ACA) affects health insurance in North Carolina in several ways. Under the ACA, if you buy health insurance in the market, health plans must cover essential health benefits like doctor visits, hospital stays, prescription drugs, mental health services, and emergency care. All health plans must also provide preventive and wellness care, such as an annual physical and certain cancer screenings, at no additional cost to you. In addition, pre-existing conditions and certain preventive services are covered under the ACA, meaning that companies cannot deny coverage or charge extra due to medical history. This ensures that you can still be covered even if you have a preexisting condition. The ACA also includes subsidies for certain individuals to help them pay for health insurance. If you qualify for a subsidy, you may be able to save money on your monthly health insurance premiums. Finally, the ACA created the Health Insurance Marketplace, where people can shop for health insurance and compare plans. The Marketplace makes it easier to find and compare plans that meet your needs and budget. Overall, the ACA has made health insurance more accessible and affordable for many North Carolinians. By taking advantage of the benefits of the ACA, you can make sure you and your family have the health insurance coverage you need.

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