Have you not yet considered getting any individual health plans either for yourself or for your family even if you can afford it? If your answer is "yes," then you may get into trouble if you do not get yourself one by 2014. What kind of trouble? Not exactly with individual health plans or anything related to it…but with the law. Under the Patient Protection and Affordable Care Act (PPACA), which is also popularly identified as the Obama care, you need to have acquired a specific health care policy by next year. If you already have one either self-acquired or through your employer or through your spouse's/partner's employer, then you have nothing to worry about. But if you do not have one, then it is high time considering what BCBSNC individual plans you can have. What the Affordable Care Act Is All About Signed by President Barrack Obama last March 23, 2010, the bill focuses on the significant improvement of the health care system in the US. Its primary objective is to further improve the quality of health care while making it more affordable to the general market. This applies to both individuals and the government. To raise affordability and coverage, several mechanisms are provided. These are subsidies, mandates, and insurance exchanges. Many provisions are included in the ACA that will take effect between 2010 and 2020. Its three most significant provisions are as follows: *The need for insurance providers to offer policies regardless of the applicant's medical condition. *Persons who do not have any form of health care coverage either from their employer, through their partner, from accredited institutions like Medicare or Medicaid, or from public insurance programs must get a policy. *All health insurance operations must begin and be present in each state. This involves an open opportunity for individuals and companies alike to offer and compare policies and premium prices. In a nutshell, any individual who violates any of the provisions of the ACA will be subject to a certain penalty. Why Choosing the Right Health Insurance Plan Matters With the ACA development, the need to get quality health insurance coverage either for yourself or your family members is more emphasized. Actually, the bill makes it easier for you to get one. If you have been daunted in the past due to cost issues, be rest assured that you will no longer have to worry about these anymore. Why? The ACA mandates that providers give you choices. These choices come in the form of health plans (like BCBSNC individual plans) that accommodate your needs, those of your family members, and of course, your budget. The law makes it possible for you and your family to acquire health insurance. Having a plan gives you easy access to your required medical and other health care services as it covers or helps shoulder a portion of the their costs. The kind and level of coverage depends on the kind of plan you purchase. Based on the new law, majority of the plan packages providers offer should contain the basic health benefits such as doctor consultations, some prescription medications, emergency care, medical tests, hospital visits, medical specialist' care, and doctor consultations (including dental visits) for kids. Elliot is a leading insurance agent with Blue Cross Blue Shiedl of NC and Direct Marketing Associates, an award winning insurance agency serving Asheville North Carolina. Elliot has been providing health insurance plans and information for individuals and employers for over twenty years. Visit http://www.ncinsuranceplansonline.com for rates and information.
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