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Understanding the Affordable Care Act

The Affordable Care Act (ACA) expands access to health insurance for more individuals. Explore your health insurance options through the ACA's Health Insurance Marketplace.

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Understanding ACA Health Insurance

Financial Assistance

Individuals and families may qualify for premium subsidies based on their household income.

Consumer Protections

Caps on personal out-of-pocket expenses and prohibitions against lifetime and annual coverage limits.

Comprehensive Coverage

Includes doctor office visits, vaccinations, surgeries, outpatient services and emergency care.

The 10 essential health benefits covered by ACA

Outpatient care

Pediatric care (including dental and vision)

Emergency care

Hospital stays

Mental health and substance use disorder services

Prescription drug coverage

Rehab services

Lab services

Free preventive care

Maternity and newborn care

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Why Purchase Supplemental Insurance

60%

Of insured individuals had problems paying medical bills 1

1 in 5

of Americans households carry medical debt2

56%

U.S. adults lack the emergency funds to handle $1,000 unexpected expense3

66.5%

of bankruptcies are caused directly by medical expenses, making it the leading cause of bankruptcy4

  1. statnews.com/2022/11/04
  2. Forbes.com/joshuachohen/2024/01/01/
  3. foxbusiness.com/economy/2024/24/01/bankrate analysis
  4. retireguide.com/medical-bankruptcy-statistics/2023/10/20

Talk to an insurance agent today

Learn more about the different types of insurance and get a quote for your specific needs.

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PivotHealth.com is the website domain of PivotHealth Holdings, LLC (Pivot Health), a wholly-owned subsidiary of HealthCare, Inc. This website serves as an invitation for you, the customer, to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of insurance.

Pivot Health develops and markets a portfolio of proprietary health insurance and supplemental insurance products under the Pivot Health brand in addition to serving as a licensed broker under PivotHealth Holdings, LLC. Pivot Health may earn revenue for clicks, calls and insurance applications generated, and may be compensated by its advertisers for sponsorship. Compensation may impact where and in what order insurance products appear. Pivot Health’s platforms do not include all health insurance companies or all available insurance products.


If you are experiencing difficulty accessing our website content or require help with site functionality, please use one of the contact methods below.

For assistance with Medicare plans dial 844-231-3417

For other plans please dial 866-967-3416

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