What does Obamacare cover?

The specific coverage you receive with your plan under Obamacare will vary based on the plan you choose. However, ACA plan required coverage includes:

  • Preventative care
  • Emergency care
  • Outpatient care when you are not admitted to the hospital
  • Hospitalization
  • Pregnancy and newborn care
  • Services for mental health and substance use disorders
  • Rehabilitative services
  • Pediatric care
  • Laboratory services

What is Obamacare?

Obamacare is a colloquial term used to describe the Affordable Care Act (ACA). This law was put into place to make it easier for people to purchase the health insurance they need.

The Affordable Care Act mandates that health insurance companies are required to provide certain levels of coverage with every plan. When it was first implemented, it required Americans to carry health insurance just like they carry car insurance. However, as of 2019, health insurance is no longer required at the federal level. Some states may still require it, so it’s important to check what the current mandate is based on where you live.

The Affordable Care Act also established marketplaces where people can review and compare healthcare plans to find the one that is right for them.

Are there different types of Obamacare insurance?

Yes, there are different types of health insurance plans under the Affordable Care Act. Obamacare coverage can vary depending on the level of coverage you purchase. In general, the plans are divided into four separate tiers.

  • The bronze level typically has a lower deductible but also has lower levels of coverage than other tiers.
  • The silver tier is generally considered to have moderate costs, including a lower deductible.
  • Plans within the gold tier usually have higher monthly premiums but lower deductibles and out-of-pocket costs.
  • Platinum plans generally have the highest monthly premiums but very low deductibles and care costs.


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    Obamacare Open Enrollment Period

    The Open Enrollment Period (OEP) is the time when you can shop for a new health insurance plan for the upcoming year. The federal OEP for 2023 plans will run from November 1, 2022 to December 15, 2022 for coverage starting January 1, 2023 and remain open until January 15, 2023. Some states have a state-run health exchange, and therefore have an open enrollment period that may differ slightly from the federal open enrollment period. If you do not enroll in a plan during the OEP, you may not be able to purchase ACA-compliant coverage unless you experience a qualifying event, such as:

    • Loss of a job
    • Move to a new coverage area
    • Birth of a child
    • Loss of existing coverage
    • Family event, such as marriage, divorce, or death

    If you find yourself without insurance and are not eligible for a qualifying event, you may be able to enroll in a short-term plan depending on the state where you live. Contact eHealth to learn more about your choices in short-term plans that can provide you with the coverage you need until the next OEP.

    See all of your options for ACA-compliant health insurance with eHealth! Our team of licensed insurance agents can help you navigate all possible plans and find a plan that provides the amount of coverage you need for an affordable price.

    Pros and cons of Obamacare

    There are several significant benefits of Obamacare. Some of the top benefits include:



    • The Affordable Care Act has made health insurance more affordable for many people. It requires that health insurance companies spend at least 80% of their premiums on paying for people’s medical care, which has caused many premiums to go down.
    • It is also possible for people with pre-existing health conditions to find health insurance. Insurance companies can now no longer refuse coverage to someone just because they have pre-existing conditions.
    • More screening procedures are covered. Preventative care is now covered to a much greater extent than it was before.
    • Prescription drugs also cost less. It is now not as expensive for someone to get coverage for their prescription medications.

    On the other hand, there are some drawbacks that people also need to consider. They include:

    • Health insurance premiums have gone up as a result of Obamacare, for some people. Individuals who were used to paying very low premiums in the past now might pay higher premiums because health insurance companies are required to cover more people.
    • You could pay a significant fine if you don’t have health insurance. In some states, people are now required by law to have health insurance, or they pay a penalty on their taxes.
    • If you purchase insurance on the marketplace, you need to enroll at specific times of the year. You need to pay attention to special Obamacare enrollment periods.

    How do you get Obamacare insurance?

    If you are interested in signing up for an ACA health plan, you’ll need to Fill out our form get quotes with simple easy way possible

    we understand that a lot of jargon is involved, and you may have difficulty deciding which plan is right for your needs. We can provide you with access to a comprehensive comparison tool that will make it easy for you to consider coinsurance, deductibles, copays, and premiums.

    We also have licensed insurance agents who can help you find the right ACA plan based on your budget.

    Find an insurance plan that suits you

    Use our tool to compare the coverage and costs of a variety of health plans to ensure you have insurance in case of illness or accident. We make it easy to find a plan that suits your needs quickly.

    Finding the right insurance plan at the right price is
    easier with ACAbenifits. Although pricing is regulated in healthcare, the expertise
    and experience of the eHealth brokers helps individuals find the best coverage
    for their need.

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