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Obamacare

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Obamacare

It is the Patient Protection and Affordable Health Care Act, which among other things is responsible for ensuring that people in the United States obtain a government subsidy (if their income is low) to access health insurance. Among its advantages is also not discriminating against patients with pre-existing medical conditions, such as diabetes and pregnancy, to obtain insurance, something that was usual before the enactment of the law.

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What is Obama Care?

It is the common way of calling for the health reform promoted by former President Barack Obama in 2010, which included health insurance accessible to all. To this day, this is the most popular insurance option in the United States. Prior to this process, access to health was very difficult for those with pre-existing medical conditions such as diabetes, hypertension, obesity, pregnancy, because having them, caused their applications to be mostly rejected by the companies. The other big problem was the price of these insurances, not always affordable to the pockets of low-income citizens. Hence, Obamacare was the way out for millions of people in the United States, and, even though it still has many fissures that must be improved, it has become a pillar for all those families.

Obamacare and the Marketplace

The Health Insurance Market is the governing body that determines the clients’ eligibility and the characteristics of their coverage. Through this entity, people can choose the plan that best suits them according to their protection needs. The Market provides subsidies to people based on household income, and although some do not receive it, all are guaranteed health services, regardless of whether they have pre-existing medical conditions.

Companies with which Obamacare works

As well explained, Obamacare is not insurance, but a way to call for health reform. Some of the companies that are present in the Health Insurance Market and that provide coverage to people without discriminating between race, illness and other factors, are the following:

  • Blue Cross and Blue Shield (Florida Blue)
  • Ambetter from Sunshine Health
  • Molina Healthcare
  • Oscar

Basic Requirements to have Obamacare

Among the prerequisites to be eligible for a plan by the marketplace (Obamacare) are

  • Legal immigration status in the country
  • Social Security Number (SSN)
  • Have some income
  • Declare Tax

Some of these requirements are not needed if people want to access the Marketplace health plans without receiving a subsidy or tax credit in advance.

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