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Affordable Care Act (ACA)

The comprehensive health reform law that is sometimes referred to as "Obamacare". Under the ACA, individual medical plans are required to cover ten “Essential Health Benefits” to be recognized as a "Qualified Health Plan" and provide “minimum essential coverage” to enrollees(“MEC”). Residents of certain states may not be able to enroll in ACA-compliant health insurance through
Advantage Assurance Group, LLC. To see all available data on QHP options in your state, go to the Health Insurance Marketplace website at www.HealthCare.gov. Premium tax credits are not guaranteed and are subject to eligibility requirements determined in the Marketplace.

Short Term Medical (STM)

STM Insurance does not provide comprehensive medical coverage and is not minimum essential coverage as defined in the Affordable Care Act (also known as “Obamacare”). STM insurance may not cover all Essential Health Benefits. Check your plan carefully before enrolling.Plans are subject to medical underwriting, and generally do not cover preexisting conditions, and may have lifetime and/or annual dollar limits on health benefits.If your coverage expires, or you lose eligibility, you may have to wait until an open enrollment period to get other health insurance coverage.