Health insurance laws have changed since the Affordable Care Act (ACA) went into effect in 2010. Many of its laws may affect you and your family or your business. Here are some of the main points:

  • If you provide coverage for yourself and your family on your own:
    • You cannot be denied coverage, even if you have health problems.
    • You may be able to get federal help paying your monthly premium.
    • If you don’t have health coverage, you may have to pay a penalty.
  • More employers must now provide health plans for their employees.
  • Small businesses may buy plans through the Health Insurance Exchange.

We know these changes can be confusing. Here are some helpful resources:

Regulatory Health Link Division (RHLD)

As part of the Arkansas Insurance Department, RHLD provides guidance on ACA and other federal laws. It protects the rights of Arkansas consumers by working with various state and federal agencies. It also addresses consumer, broker and insurance carrier questions and issues.

HealthCare.gov

Shop for a QualChoice individual plan on the federal Health Insurance Marketplace. You may be able to get a subsidy (help with paying the premium).

The Henry J. Kaiser Family Foundation

This foundation is a trusted source on national health issues. It provides information and insight on all aspects of healthcare and health insurance.

The Center for Consumer Information & Insurance Oversight (CCIIO)

CCIIO is charged with helping put into action many reforms of the ACA. It works with states to create and maintain new Health Insurance Marketplaces.

Individual and Group Plans from QualChoice

Shop for private health insurance for yourself, your family or your company.