ACA Major Medical Insurance

At Cowart Insurance Group, we are dedicated to putting your health and well-being first. That’s why we offer ACA Major Medical Insurance—an affordable and comprehensive health coverage that brings you peace of mind. With ACA Major Medical Insurance, you not only gain access to excellent healthcare but can also qualify for subsidies. These subsidies can significantly lower your premiums and out-of-pocket expenses, ensuring that you receive the care you need without breaking the bank.

Why You Should Enroll in ACA Insurance

Expanded Access to Quality Healthcare

ACA insurance has made quality healthcare more accessible than ever before. By creating a marketplace with a variety of plans, individuals and families can compare options and choose coverage that fits their unique needs. Whether you’re seeking routine check-ups, specialist care, or emergency services, ACA plans ensure you have access to the care you need to stay healthy.

Protection from Financial Hardship

The ACA is designed to protect you from the high costs of medical care. With subsidies and tax credits available for those who qualify, many people can find affordable coverage that fits their budget. Additionally, the ACA sets limits on out-of-pocket expenses, so you’re never left facing overwhelming medical bills, even in the event of a serious illness or injury.

No Discrimination for Pre-Existing Conditions

One of the most groundbreaking aspects of the ACA is its protection for individuals with pre-existing conditions. Insurance companies can no longer deny coverage or charge higher premiums based on your health history. This means everyone, regardless of their medical background, has the opportunity to secure the coverage they need.

Essential Health Benefits at Affordable Rates

ACA plans are required to cover essential health benefits, including preventive care, prescription drugs, mental health services, maternity care, and more. These comprehensive benefits ensure you and your family have access to the care you need to stay healthy. And with subsidies available, many people can access these benefits at rates that are more affordable than ever.

Consumer Protections and Peace of Mind

The ACA includes strong consumer protections to give you confidence in your coverage. For example, insurance companies can no longer impose lifetime or annual limits on essential benefits, and you have the right to appeal insurance company decisions. These safeguards ensure that your coverage is reliable and that you’re protected when you need it most. With ACA insurance, you can enjoy peace of mind knowing you and your family are covered.

When Can You Enroll?

Open Enrollment Period

The Open Enrollment Period runs annually from November 1st to January 15th.

Special Enrollment Period

If you have a Qualifying Life Event (QLE) such as moving, having a child, etc...
You are available to get covered outside of the Open Enrollment Period.
Contact us to see if you qualify!

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