Question 1

Can I Be Denied Coverage for a Pre-Existing Condition?

Accepted Answer

No. ACA-compliant health plans cannot deny coverage due to pre-existing medical conditions.

Question 2

Do ACA Plans Cover Prescription Drugs?

Accepted Answer

Yes. Most ACA plans include prescription drug coverage, although formularies vary by carrier and plan.

Question 3

Can I Keep My Current Doctor?

Accepted Answer

Possibly. Provider participation varies by network. We help clients verify physicians, specialists, and hospitals before enrollment.

Question 4

What If I Miss Open Enrollment?

Accepted Answer

You may still qualify for a Special Enrollment Period if you experience a qualifying life event.

Question 5

Are ACA Plans Only for Low-Income Individuals?

Accepted Answer

No. Many middle-income families and self-employed professionals qualify for premium tax credits and Marketplace savings.

Question 6

Can I Change Plans Every Year?

Accepted Answer

Yes. During Open Enrollment, you can review and update your coverage to better fit your healthcare and financial needs.

Frequently asked questions