Affordable Care Act / Obamacare

The Affordable Care Act (ACA), commonly referred to as Obamacare, was signed into law March 23, 2010. Obamacare was upheld by a Supreme Court ruling on June 28, 2012.

Obamacare is the popular name for the Affordable Care Act (ACA).  The ACA is the law of the land & affects:

  • What health insurance you can get
  • When you can get insurance
  • How much Health Insurance will cost you.
  • Qualifying for a tax credit to help pay for your health plan

Under Obamacare, health insurance is required by law or you’ll pay an escalating tax penalty. If you do not have qualifying health insurance, you must pay a tax penalty, either a flat rate or a percentage of your household income, whichever is greater.

With Obamacare, insurers must insure everyone regardless of pre-existing conditions or prior coverageObamacare requires all new health insurance plans to include 10 Essential Health Benefits:

  1. Ambulatory patient services
  2. Emergency services
  3. Hospitalization
  4. Laboratory services
  5. Maternity and newborn care
  6. Mental health and substance abuse disorder services (including behavioral health treatment)
  7. Pediatric services, including oral and vision care
  8. Prescription drugs
  9. Preventive and wellness services and chronic disease management
  10. Rehabilitative and habilitative services and devices

Comparing Obamacare plans inside and outside the exchange against current coverage can be a daunting task.  We make it easy.  At Spearfish Insurance Brokerage, we can provide you with a free health insurance quote and discuss which health insurance options are best for you.  .

Let us help you navigate the confusion.

We can help you find the best health insurance plan at the lowest possible rate, and we have hundreds of options for you to choose from.

Don’t spend hours trying to make sense of all the options.  Let Spearfish Insurance Brokerage do the work for you.  Our services are 100% free, easy to use, and we have the guaranteed lowest available rates.

Get Your Free Personalized Quote Today!

At Spearfish Insurance Brokerage, we are certified brokers and work with all of South Dakota’s major carriers.  Our years of experience means we have specialized knowledge of South Dakota’s insurance carriers and plans that you won’t find on e-insurance sites. We’ll even help you see if you qualify for a subsidy and help you get the subsidy that reduces your out of pocket premium cost.  There is no extra cost for our services and the plan premiums are identical.  None of the free quotes add additional costs or mark-up to your premium.