Rights & Protections

Whether you need health coverage or have it already, the health care law offers new rights and protections that make coverage fairer and easier to understand.

Some rights and protections apply to plans in the Health Insurance Marketplace or other individual insurance, some apply to job-based plans, and some apply to all health coverage.

Use this guide to learn about your rights and protections today.

How the health care law protects you

• Creates the Health Insurance Marketplace, a new way for individuals, families, and small businesses to get health coverage
• Requires insurance companies to cover people with pre-existing health conditions
• Helps you understand the coverage you’re getting
• Holds insurance companies accountable for rate increases
• Makes it illegal for health insurance companies to arbitrarily cancel your health insurance just because you get sick
• Protects your choice of doctors
• Covers young adults under 26
• Provides free preventive care
• Ends lifetime and yearly dollar limits on coverage of essential health benefits

In addition to the rights and benefits included in this guide, here are some others:

• Breastfeeding equipment and support
• Birth control methods and counseling
• Mental health and substance abuse services
• Appealing a health plan decision

Questions? Call 1-800-318-2596, 24 hours a day, 7 days a week. (TTY: 1-855-889-4325)

Source: HealthCare.gov, “How does the health care law protect me?”
http://www.HealthCare.gov. Accessed November 30, 2015.
https://www.healthcare.gov/how-does-the-health-care-law-protect-me/

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.