Affordable Care Act and Health Insurance Marketplace - What You Need to Know

Beaumont has always supported access to health insurance coverage for all Americans. As the Affordable Care Act goes into place, we look forward to serving patients who have not previously had coverage to receive the health care they need.

The Patient Protection and Affordable Care Act will make primary, preventive care more accessible and affordable. The law also aims to increase quality and coordination of care, to lower the number of people without insurance by expanding public and private insurance coverage, and to reduce the cost of health care.

Health Insurance Marketplace (Exchange)

The law provides a number of mechanisms to increase coverage and affordability, including the Health Insurance Exchange. The Exchange will serve as an online marketplace where individuals and small businesses can compare policies and buy insurance and, if eligible, obtain government subsidies. The online Marketplace opens on October 1, 2013.

The Health Insurance Marketplace is a new way to find health insurance coverage. It can help you find insurance coverage if you don't have it now or allow you to seek other insurance coverage options. The Marketplace allows you to apply for health coverage, compare all your options, and enroll in a plan through one streamlined application. Beginning October 1, 2013, you can create an account, apply, select a plan and enroll. To get started, visit

When looking for a plan on the Health Insurance Marketplace, be sure to select one that Beaumont accepts. View the list of insurances.

Key Highlights at a Glance:

  • Starting in 2014, most U.S. citizens will be required to have health care insurance or pay a penalty.
  • Starting in 2014, health insurance plans can't refuse to cover you or charge you more just because you have a pre-existing health condition.
  • You qualify for Medicaid based on income and family size. If you're eligible, you get free or low-cost care and don't need to buy a marketplace plan.
  • All private health insurance plans offered in the Marketplace will offer the same set of essential health benefits. These are services all plans must cover. The essential health benefits include:
    • ambulatory patient services (outpatient care you get without being admitted to a hospital)
    • emergency services
    • hospitalization (such as surgery)
    • maternity and newborn care (care before and after your baby is born)
    • mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
    • prescription drugs
    • rehabilitative services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills
    • laboratory services
    • preventive and wellness services and chronic disease management
    • pediatric services

For more information, visit:

Frequently asked questions Marketplace Articles

Beaumont participating Marketplace plans

Income flowchart for insurance decisions

Requirement for coverage

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