Can I be denied coverage?

If you meet the requirements of the plan – you live in the service area, enroll during the open enrollment or special enrollment period, etc. – a health insurance company must offer a policy to any eligible applicant without regard to health status. This means a health insurance company cannot deny you coverage because of your health status.

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Glossary

Full Glossary

Affordable Care Act

The Patient Protection and Affordable Care Act (PPACA) – also known as the Affordable Care Act or ACA, and generally referred to as Obamacare – is the landmark health reform legislation passed by the 111th Congress and signed into law by President Barack Obama in March 2010. The Affordable Care Act’s main focus is on providing more Americans with access to affordable health insurance, improving the quality of healthcare and health insurance, regulating the health insurance industry, and reducing healthcare spending in the US. The law contains hundreds of different provisions that address different aspects of “the healthcare crisis” in the US.

Agent

An agent or broker is a person or business who sells insurance and can help you enroll in a Qualified Health Plan (QHP) through the Marketplace, as well as in a plan not sold through the Marketplace. They can make specific recommendations about which plan you should enroll in, and also help you apply for help paying for coverage. They’re also licensed and regulated by states and typically get payments, or commissions, from health insurers for enrolling a consumer into plans. Some agents and brokers may only be able to sell plans from specific health insurance companies.

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Can I be denied coverage?