Health Insurance

As you may be aware, the Affordable Care Act (ACA) is dramatically changing our country’s health insurance industry. The ACA and its changes will impact almost all Americans. Our agency believes that that it is important for you to work with a trusted insurance advisor to determine which ACA health insurance plan fits your situation. That is why you should work with our agency when selecting your ACA Insurance Plan.

On October 1, 2013 there will be a link on this page to enroll into Affordable Care Act with the Ryan P. Conway Agency, LLC. You will also be able apply at after 10/1/2013.

The Affordable Care Act (ACA)

The ACA formerly referred to as the Patient Protection Affordable Care Act (PPACA), was signed into law by President Obama on March 23, 2010. It contains a set of comprehensive health insurance reforms that will be implemented in stages. The implementations started in 2010 and have been ongoing over the past few years. The majority of the ACA provisions will be going into effect January 1, 2014.

Some of the highlights of the ACA include:

  • No lifetime limits
  • Starting January 1, 2014
  1. All policies are Guaranteed Issue
  2. No exclusion riders or declinations
  3. No pre-existing waiting period
  • Dependent age increased to 26


  • Affordable Care Act Open enrollment starts November 1st, 2015 and ends January 31st, 2016

Community Rating

Four Factors used to determine policy rating:

  1. Geographic Location
  2. Age
  3. Family Size
  4. Smoker status

Essential Health Benefits

All new plans written January 1, 2014, or plans renewing on or after that date, will have to include the Essential Health Benefits (EHB).

Essential Health Benefits Include:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity health and substance use disorder services, including behavioral health treatment
  • Prescription drugs
  • Rehabilitative and habilitative services
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care

Individual Mandate

  • Individual must prove they have essential coverage on their taxes or they face a penalty
  • Penalties to be phased in stages
  • Fines to be adjusted annually for inflation in future years
  • For any month without EHB coverage, you will be fined.

Midwest Insurance Brokerage Service, Inc. “The Affordable Care Act Guide-For Clients” was the source of the above information and more. This page was meant to provide you with highlights and is subject to change without notice.