The Affordable Care Act (ACA) makes health insurance more affordable for millions of Americans. It includes premium subsidies and cost-sharing subsidies.
The ACA also expanded Medicaid coverage to low-income adults.
The ACA also required all health plans to adhere to certain standards. These rules include a set of four metal level classifications, each with a specific price structure that matches its medical coverage rates.
Alaska
Alaska is the 48th state to have an affordable care act. This means that any person who lives in Alaska and earns less than 138% of the federal poverty level can qualify for Medicaid.
Those with incomes higher than this can purchase private health insurance in the Marketplace. However, only members of federally recognized tribes or shareholders in an Alaska Native regional or village corporation are eligible for special protections and some cost-sharing exemptions.
Arizona
The Arizona Health Care Cost Containment System (AHCCCS) offers free or low-cost Medicaid coverage to eligible individuals and families. The program includes medical care, dental, vision and prescription coverage.
ACA-compliant plans are required to offer ten essential health benefits. These benefits include preventive services, prescription drug coverage and maternity and mental health benefits.
California
The state of California is a Democratic-leaning state known for its beaches, grapes and sunshine. But it’s also at the forefront of topics like racial and gender equality, immigration, cannabis legalization and more.
Under the Affordable Care Act, many Californians are now insured through Covered California and Medi-Cal. But many people remain without coverage and premiums are still too high.
Colorado
The Affordable Care Act (ACA) has had a significant impact on health coverage in Colorado. It expanded Medicaid eligibility to cover low-income individuals and families, helped expand the state insurance marketplace (Connect for Health Colorado), and made coverage more affordable through a combination of federal subsidies and cost-sharing reductions.
The ACA also allowed the state to pursue new ways of providing insurance under a 1332 waiver, which allows states to create innovative healthcare systems that don’t violate certain technical provisions of the ACA and don’t increase the federal deficit. The state got federal approval for the Colorado Option, a government-designed catastrophic plan that is mandated to be sold at lower prices.
Connecticut
The Affordable Care Act has made health insurance coverage more accessible to residents of all ages. Connecticut has a state-run exchange where people can shop and compare insurance policies for themselves and their families.
The state has also created a program for individuals with disabilities, elderly people and those with low incomes. It’s called HUSKY Health. It’s designed to provide free or low-cost medical services for those who are uninsured.
Hawaii
Hawaii has an affordable care act (ACA) that provides health coverage to low-income people. Its Medicaid program covers children, pregnant women, parents and caregiver relatives.
The ACA offers an option for people who aren’t eligible for Medicaid to get coverage on the Marketplace. They can buy individual health insurance plans from companies in the Marketplace and receive tax credits or cost-sharing subsidies that help them pay their premiums and out-of-pocket costs.
Idaho
Idaho residents can apply for ACA-compliant health insurance plans during the annual Open Enrollment Period (November 1 – December 15). They can also enroll in Medicaid or Medicare if they qualify.
In 2018, Idaho’s Department of Insurance issued a regulatory bulletin, allowing insurers to sell “state-based health benefit plans” that would avoid many of the ACA’s requirements. But CMS warned in March that these plans are a violation of federal law, and any insurer offering them could face fines of up to $100 per day, per person.
Illinois
The Affordable Care Act (ACA) has been instrumental in providing healthcare coverage to millions of Americans. The ACA provides health insurance plans that offer essential benefits like emergency services, maternity care and prescription drugs, while protecting people with pre-existing conditions.
Illinois has several programs for seniors, including Medicaid and Medicare Managed Long Term Services and Supports (MLTSS). These services include home and community-based services.
Indiana
Indiana has a strong economy based on manufacturing and services. It is located within the industrial and agricultural belt of the United States known as the Corn Belt.
The state’s northern cities are characterized by a high level of black and Hispanic population. The southern city and rural areas are largely white.
Iowa
The state of Iowa is home to a large number of Americans that are eligible for Medicaid. These people are able to receive services such as family planning, doctor visits, hospital care, and prescriptions.
In addition, they are able to receive assistance in paying for health insurance by using tax credits. These are provided by the federal government and are based on your income level.
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