Why get covered?

No one plans to get sick or hurt, but most people need medical treatment at some point in their life. If you or someone in your family unexpectedly become ill or injured, health insurance will help cover the costs of your healthcare and medical bills.

Physical and mental health

Having health insurance can help you to take better care of your health, manage chronic conditions such as diabetes and heart disease, and get routine and preventive health care.

ACA Health Insurance Marketplace plans cover Essential Health Benefits, including:

  • Annual checkups
  • Vaccinations
  • Blood tests and lab work
  • Scans and screenings

These essential health benefits also cover mental and behavioral healthcare, including:

  • Behavioral health treatment, such as psychotherapy and counseling
  • Mental and behavioral health inpatient services
  • Substance use disorder treatment

Financial health

Health insurance also helps minimize the cost of unexpected medical bills. Medical emergencies can be very expensive. For example, breaking an arm could involve surgery, a hospital stay and physical therapy, costing thousands of dollars. Having health insurance won’t keep you from having to pay medical bills, but it can put a limit on those bills.

Having a health insurance plan not only protects your physical and mental health, it also protects your financial health. So, start your journey to good health and learn more about what to know before you choose a health plan.