Affordable Care Act: Know Your Rights as of January 1, 2014

Updated:Feb 18,2014
The Affordable Care Act is now the law of the land, making it important for all health care consumers to understand key protections and benefits of the law.  Whether you have coverage through an employer, the Health Insurance Marketplace, or a private plan, it’s time for you to know your rights, including:
  • Pre-existing Conditions: You cannot be denied coverage due to a pre-existing medical condition, such as heart attack, stroke, or high blood pressure.
  • Health Status & Gender Equality: You cannot be charged higher premiums because of your health status or your gender.
  • Clinical Trials Coverage: Most plans must pay for routine care costs if you participate in clinical trials for life-threatening diseases and conditions. 
  • Essential Benefits: Most plans must now cover 10 essential health benefits including emergency services, hospitalization, primary and specialty care, prescription drugs, and rehabilitative care.
  • Preventative Services: Most plans must now provide services such as cholesterol screenings, wellness visits to the doctor, and counseling to quit smoking, at no additional charge to you.
  • Out-of-Network Emergency Care: Insurance plans can’t require higher copayments or coinsurance if you get emergency care from an out-of-network hospital- and they can’t require prior approval before getting services from a hospital outside your plan’s network. 

Learn More- Visit for more information about the health care law and what it means for you.

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