We've gathered answers to your most popular questions below.
The ACA is a healthcare reform law that was passed in 2010 with the goal of providing affordable healthcare for families. Here are some key elements of the reform.
EHB requirements were built into the ACA to ensure that people and small businesses have access to comprehensive health coverage, specifically important health benefits like:
Special enrollment begins after open enrollment closes and is only available if you have experienced a qualifying life event such as:
If you’re shopping for health insurance On-Exchange, you’ll only be able to purchase from the companies available on the public exchange and may qualify for financial assistance.
If you’re shopping for health insurance Off-Exchange, you can purchase from companies on or off the public exchange, so
you have more options. Financial assistance is not available if you are shopping Off-Exchange.
Short Term Medical was created to provide you with temprorary coverage during a situation where you might encounter a coverage gap. You might need Short Term Medical coverage if you:
You might need Group Medical coverage if you own/run a:
Illinois falls under the Average Total Number of Employees (ATNE) for calculation.
Here's some information to help you calculate whethere your group is considered small or large.
Group coverage does not have an open enrollment period and can be established throughout the calendar year.