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Signed into law on March 23, 2010, the ACA made health insurance available to all Americans. Here's what you need to know:

  • Guaranteed Issue: No one can deny you coverage based on your health status.
  • Essential Health Benefits: A set of 10 health care service categories that health plans must cover.
  • Open Enrollment Period: A specific time of year you can purchase health insurance for the upcoming year. You can enroll outside that window if you experience a Special Enrollment Event, like marriage or birth.
  • Tax penalties: In 2017, Congress eliminated the tax penalty associated with failing to have health insurance. This became effective in 2019.
  • Summary of Benefits and Coverage: This important document gives an overview of your plan and coverage options.

About your rights

The ACA includes a number of important benefits and protections External Site. For example, dependents can now be covered on family plans up to age 26, and no one can deny you coverage based on pre-existing conditions. All new Wellmark plans meet or exceed these requirements. Shop and compare Wellmark's ACA plans or renew your plan.

Do you have a grandfathered or a grandmothered plan? You may keep your plan as long as it's available to you. If you choose to end or change this coverage, you cannot go back to the plan. Instead, you may select an ACA plan, which may provide you with more Essential Health Benefits.

Questions about individual and family health insurance? We have answers.

Visit our Uniform Glossary of Benefits

Most people don’t use words like "coinsurance" and "in-network" in their day-to-day life, so that's why a Uniform Glossary of Benefits is also available. With simple and concise definitions, the glossary makes it easier to understand some of the common terms used in health insurance.