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By: healthcare.gov
The health care law offers rights and protections that make coverage more fair and easy to understand. Some rights and protections apply to plans in the Health Insurance Marketplace or other individual insurance, some apply to job-based plans, and some apply to all health coverage. The protections outlined below may not apply to grandfathered health insurance plans.
How the health care law protects you
- Requires insurance plans to cover people with pre-existing health conditions, including pregnancy, without charging more
- Provides free preventive care
- Gives young adults more coverage options
- Ends lifetime and yearly dollar limitson coverage of essential health benefits
- Helps you understand the coverage you’re getting
- Holds insurance companies accountablefor rate increases
- Makes it illegal for health insurance companies to cancel your health insurance just because you get sick
- Protects your choice of doctors
- Protects you from employer retaliation
Additional rights and benefits:
- Breastfeeding equipment and support
- Birth control methods and counseling
- Mental health and substance abuse services
- The right to appeal a health plan decision
- The right to choose an individual Marketplace plan rather than the one your employer offers you
Learn how to protect yourself from fraud when you apply for health coverage.
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