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What is Affordable Care Act?
The Affordable Care Act (ACA), also known as Obamacare, is a law enacted in the United States in 2010 with the goal of making healthcare more accessible and affordable for all Americans. One of the key provisions of the ACA is the creation of the Health Insurance Marketplace, which is a platform where individuals and families can shop for health insurance plans that meet their needs and budget.
What ACA Plans Cover?
Prescription drugs
Medications prescribed by a doctor for treatment or prevention
Preventive and wellness services
A set of services and screenings are covered, including chronic disease management
Pregnancy, maternity and newborn care
Care through the course of a pregnancy, delivery and post-natal care
Pediatric services
Children's medical care, including dental and vision car
Hospitalization
Treatment at a hospital including surgeries or overnight stays
Ambulatory patient services
Care you receive without being admitted to the hospital
Rehabilitation services
Services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills
Mental health and addiction services
Mental health services, including substance abuse disorder services and behavioral health treatment
Emergency services
Treatment at a hospital emergency room for urgent medical issues
Laboratory services
Routine tests ordered by a doctor for diagnosis and treatment
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What is Life Insurance?
Life insurance is a type of insurance policy that provides financial protection to the policyholder's loved ones in the event of the policyholder's death. The policy pays out a death benefit to the policy's beneficiaries, which can be used to cover expenses such as funeral costs, outstanding debts, or lost income.
There are several different types of life insurance, and each has its own features and benefits.
Term Life Insurance
Term life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. If the policyholder dies during the term of the policy, the policy pays out a death benefit to the policy's beneficiaries. Term life insurance is typically less expensive than other types of life insurance, but the death benefit is only paid out if the policyholder dies during the term of the policy.
Whole life insurance
Whole life insurance provides coverage for the policyholder's entire life, as long as the premiums are paid. In addition to the death benefit, whole life insurance also has a cash value component that accumulates over time and can be accessed by the policyholder while they are alive. Whole life insurance is typically more expensive than term life insurance, but the death benefit is guaranteed, and the policy has a cash value component.
Universal life insurance
Universal life insurance is a type of permanent life insurance that provides flexible coverage options and the ability to adjust the policy's premiums and death benefit. It also has a cash value component that accumulates over time, and the policyholder can access the cash value while they are alive. Universal life insurance is typically more expensive than whole life insurance, but it offers more flexibility and the ability to adjust the policy to meet the policyholder's changing needs.
Variable life insurance
Variable life insurance is a type of permanent life insurance that offers the potential for higher returns on the policy's cash value. The policyholder can choose to invest the cash value in a variety of investment options, such as stocks or mutual funds, and the returns on the investments can increase the policy's cash value and death benefit. However, the investments are subject to market fluctuations, and the policyholder's cash value and death benefit can decrease if the investments perform poorly. Variable life insurance is typically more expensive than universal life insurance, and it is only suitable for policyholders who are willing to take on the risks associated with investing the policy's cash value.
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