With the Affordable Care Act, all ACA-compliant health insurance plans (aka Obamacare or ACA plans) must include Essential Health Benefits (EHBs). There are ten categories of EHB services that these plans must cover.
To see prices and available Marketplace plans that cover the 10 essential health benefits, log into Inshura.com.
The 10 Essential Health Benefit Categories are:
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Emergency services
Hospitalization (like surgery and overnight stays)
Pregnancy, maternity, and newborn care (both before and after birth)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
Prescription drug coverage
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including oral and vision care (however, adult dental and vision coverage are not essential health benefits)
All ACA-compliant plans must also include birth control coverage and breastfeeding coverage. This means that any health care plan you buy off the health insurance Marketplace, like Inshura.com, comes with a guarantee that your plan will include coverage for all of the above types of services, even though details on specific services may vary by plan. ACA-compliant plans also cover Covid-19 testing.
Preventive Care is also included
One key thing to keep in mind is that any of the above Essential Health Benefits that are considered preventive care, versus diagnostic care, are also covered at no-cost thanks to the Affordable Care Act. There are 65 free healthcare services guaranteed by the Affordable Care Act in any ACA-compliant plan. This is true of any plan you purchase off the Marketplace, through Inshura.com, or that you have through an employer who offers ACA-compliant benefits. Preventive care is not always covered by health sharing ministries, short-term insurance, or indemnity plans.
Please remember that you will need to see an in-network provider to receive these preventive services at no cost to you. To see health insurance plans and prices that are available, log into Inshura.com.
What are all of the health insurance options?
You have several coverage options for plans that cover all of the EHBs.
Marketplace plan. You can enroll in a Marketplace health insurance plan, also known as Obamacare or Affordable Care Act insurance. See plans and prices when you log into Inshura.com.
Medicaid. You also may be eligible for Medicaid, depending on your income. You can check eligibility and apply here.
COBRA. If you’ve been laid off recently, you usually have the option of COBRA, where you pay the full premium of the same insurance your employer purchased for you. COBRA is typically much more expensive than Marketplace insurance, but it allows you to continue the coverage you already had.
When is enrollment for Marketplace health insurance?
Anyone who’s eligible can enroll in Marketplace health insurance during Open Enrollment, which runs from November 1 to January 15 in most states. If it’s outside of that period of time, you’ll need a Qualifying Life Event, such as losing your insurance or having a child, to qualify.
About Inshura
Inshura is a FREE online ACA insurance tool, perfect for agents and agencies! Agents can boost their ACA and other enrollments using this easy-to-use solution for quoting, enrolling, automating renewals, and managing clients!
And inshura is CMS EDE PHASE III certified, so it automatically exchanges data directly from the Marketplace.
Inshura is fully integrated with the ACA marketplace and private carriers.
Building excitement about industry-changing technology is the key to growth. As a professional communicator, Paul turns complex, technical projects into compelling customer stories that build excitement and grow sales. And Paul’s Marketing and PR campaigns convince people to re-think & improve their business.
From Omnichannel outreach to Technical SEO, TV Advertising to Social Media, Paul connects Inshura’s message to thousands of people selectively targeted to bring about the best ROI, ensuring 3x to 5x company annual growth.
With an incredible depth of knowledge about an insurance agency’s day-to-day operations, the experience Linette gained while managing her agency is vital to our understanding of an agent’s daily needs.
Bringing more than a decade of experience to Inshura, Linette was recognized as one of the highest Medicare-producing brokerages, with special honors for Compliance and Customer Service before joining our team.
Linette’s real-world insights and ability to connect with customers are invaluable to both our development and marketing teams.
With more than twenty-five years of experience in commercial litigation, commercial transactions, and regulatory compliance, Susan, our Chief Legal Officer, oversees Inshura’s legal and compliance responsibilities.
Susan has represented many businesses in diverse but relevant fields including information technology, healthcare, insurance, and professional services. The breadth and depth of her legal knowledge and experience enables her to help Inshura stay on top in the fast-paced and growing online insurance market.
Before joining Inshura, Matthew built a very successful insurance business. The experience and insights he gained along the way translate to an ability to communicate with other insurance professionals and bring them into the Inshura family.
Under Matthew’s stewardship, Inshura has grown year-over-year, with inshura experiencing a 5x growth in health insurance sales.
Turning ideas into products is what Ashwini does best. We turn to her to take a vision and mold those ideas into viable products.
With a unique ability to work closely with multiple departments, like engineering, sales, marketing, and customer service departments, Ashwini deftly consolidates input from every department and then guides the development of successful, feature-rich, and easy-to-use solutions.
Passionate about product quality, with a customer-focused perspective, Manal leads the departmental teams to design the very best solutions.
His experience with the medical and technology industries translates into an ability to interpret and define new processes and automation strategies that bring Inshura its’ unique and efficient functionality.
With a Computer Engineering degree and later an MBA from the Wharton School of Business, Manal’s experience and leadership is proven by our rapid growth.
With a keen insight into technology, development, and business operations, Ravi is growing Inshura into a next-generation company focused on technology and the customer.
As a strategic innovator, Ravi was central to the success of multiple projects at Verisign, Portal/Oracle, and ACT TV. With decades of leadership experience in the high-tech, fintech, and logistics industries, he is expanding the scope of inshura to include AI, ML, and other new technologies.
Starting with just two people, Girish took just a few short years to build a $135 million technology company.
Mr. Panicker received his degree in Computer Science, then earned a Master of Science in Computer Science from Drexel University in Philadelphia. In 2003, Girish transformed his software skills and passion for building custom software into his own business.
Inshura is his latest innovation. An insurance quoting and enrollment platform that solves daily challenges experienced by thousands of insurance agents.
