The Patient Protection and Affordable Care Act provides rights and protections that make health insurance coverage more fair, such as giving young adults more coverage options by allowing them to remain on their parents' insurance plans until age 26, requiring plans to cover people with pre-existing conditions and providing free preventative care, according to HealthCare.gov. Grandfathered health insurance plans may not offer the same rights and protections as plans purchased through the Health Insurance Marketplace or provided by an employer.Continue Reading
The Patient Protection and Affordable Care Act also ends lifetime limits on coverage and no longer allows health insurance companies to cancel customers' policies for arbitrary reasons, explains the U.S. Department of Health and Human Services. The law also guarantees patients the right to appeal if their health insurance company denies payment. Health insurance companies must publicly justify any rate hikes and spend premium dollars primarily on health care rather than administrative costs.
Other features of the law include coverage for breastfeeding support and equipment, birth control, counseling, mental health services and substance abuse services, states HealthCare.gov. Health insurance companies may not charge patients with pre-existing conditions more for premiums than those without pre-existing conditions, including pregnant patients. The Act gives patients the right to choose a plan from the Health Insurance Marketplace rather than an employer-provided plan and protects them from employer retaliation.Learn more about Health Insurance