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Let’s go over how coverage works.

 

How comfortable are you navigating Affordable Care Act (ACA) insurance ... or insurance at all? No matter where you’re at, we’ve covered what you need to know.

 
 

Dig deeper into the ACA

 
 

The top insurance terms you'll want to know

 

Let's go over some common insurance terms you might see during your coverage search.

Health care answers in 60 seconds.

 

What are health care premiums, deductibles, coinsurance, and copays?

 

To better understand these terms, think of it like owning a car.

 

A premium is like your monthly car payment.

 

You must make regular payments to keep your car, just as you must pay your premium to keep your health care plan active.

 

A deductible is the amount you pay for coverage services before your health plan kicks in.

 

After you meet your deductible, you pay a percentage of health care expenses known as coinsurance. 

 

It's like when friends in a carpool cover a portion of the gas, and you, the driver, also pay a portion.

 

A copay is like paying for repairs when something goes wrong.

 

When your car gets serviced, you pay a set fee to the mechanic, just as you may pay a set fee, like $20, when you go to the doctor because you're sick.

 

Every plan is different, so premiums, deductibles, coinsurance, and copays can vary in cost.

 

Health care question answered.

Is ACA coverage right for you?

 

If you don’t have insurance through your job or a government program like Medicare, take a look at ACA plans. They’re available for almost everyone. And they can help you take care of your most important asset — you.

 
 

What you should know about
ACA enrollment periods

 

When is the Open Enrollment Period?

 

Open enrollment is that time of year when you can explore plan options, see if your doctor participates in the plan, apply for financial help and purchase health plan coverage. So you don’t want to miss out.

 

The period opened November 1, 2021 and closed January 15, 2022. Note: If you signed up by December 15, 2021, your coverage started January 1, 2022. If you signed up after December 15, 2021, your coverage starts February 1, 2022.

 

If I missed the deadline, can I still sign up?

 

Life won’t wait for open enrollment. So certain life events — called qualifying events — let you sign up for coverage outside the typical open enrollment window.

 

Life changes that qualify for special enrollment

 

Now that you know you’ve had a qualifying event, it’s time to take the next step.

 

Find plans

 
 
 
 

*We don’t offer Platinum plans … yet. You can check out the great features of our Gold, Silver and Bronze plans on AetnaCVSHealth.com.

Legal notices

Health plans are offered or underwritten or administered by Coventry Health Plan of Florida, Inc., Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna is part of the CVS Health family of companies.

Health benefits and health insurance plans contain exclusions and limitations.