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Shop And Todays Small Group Insurance Market

Plan Benefits and Coverage: Before the Affordable Care Act

  • Different health plans can have widely different benefits, making it hard to compare plans.
  • Health insurance issuers can deny coverage based on pre-existing conditions.

Plan Benefits and Coverage: SHOP Under the Affordable Care Act

  • All QHPs cover the same set of essential health benefits (EHB) making it easier to compare across plans and issuers. 
  • Health insurance issuers can no longer deny coverage based on pre-existing conditions.

Premium Payments: Before the Affordable Care Act

  • Employees with major illnesses often raise the group's premium costs.

Premium Payments: SHOP Under the Affordable Care Act

  • Premiums will not be higher for groups whose members have had higher health care costs due to major illnesses.

Next Topic: Medical Plans Available In SHOP

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*ExploreObamacare.com is not affiliated with any government agency. All information provided is for informational purposes only and no guarantee of the accuracy is hereby implied. The information was the product of researching the Affordable Care Act Bill and is subject to change.
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