From these 10 sections came the 10 essential benefits that are included in minimum essential coverage. Designed so every American has access to healthcare. These benefits include:

• Prescription drug coverage
• Pediatric services
• Preventative, wellness services, and chronic disease management
• Emergency services
• Hospital-stay coverage
• Mental health and addiction services
• Pregnancy, maternity, and newborn care
• Ambulance patient services
• Laboratory services
• Rehabilitative and habilitative services and devices

Obamacare was designed to provide basic coverage for all Americans. 

Before Obamacare, those with pre-existing conditions could be refused coverage or charged more for their plan. Obamacare ensures that insurance companies allow those with pre-existing conditions to receive the same care as those without. 

When can I enroll in Obamacare?

Open enrollment typically lasts from November through mid-December for coverage the following year. This past year open enrollment was extended in response to the ongoing coronavirus pandemic. 

If you don’t choose to enroll during the Open Enrollment Period, your options to purchase coverage become limited.  You cannot purchase ACA-compliant coverage unless a qualifying event occurs. These events include:

• Loss of a job
• Move to a new coverage era
• Birth of a child
• Loss of existing coverage
• Family event (marriage, divorce, or death)

At SBMA, our goal is to provide affordable ADA-compliant benefits to our clients. For more information about the plans that we offer or to enroll, contact us directly or talk to one of our brokers today.