Frequently asked questions

• How do I Apply for Premium Tax Credits? You have different options and you have to present some documents
• I’ve Picked the Plan I Want. Now do I Send my Premium to the Marketplace? No, in most states you will make your premium payments directly to the health insurance company.
• If I buy a health plan before December 15, when does it take effect? In most states, the insurance market closes that day. What happens next.
• What services do plans have to cover for pregnant women? Federal law requires most employer and all ACA-compliant individual insurance plans, including those available through the Marketplaces, to cover maternity services including child birth and newborn care.
• Can be charged more because of my age? Some states prohibit insurers from adjusting premiums for age, or limit the age adjustment to less than three-to-one.
• Are there any preventive services for women specifically? The Affordable Care Act (ACA) includes a number of preventive services for women that ACA-compliant, “non-grandfathered” private plans are required to cover without cost sharing.