The next time you call your local health insurer, ask them about HMO coverage in your area.
If you’re a family health plan, ask if you qualify for a deductible, which will be $3,000 per person for those over 65 and $4,000 for those under 65.
If your insurer covers maternity care, ask what the monthly limit is for the coverage.
If the answer is $2,000, ask for a breakdown of coverage and the deductible, to see how you can qualify.
If it’s the same amount, ask how many people get paid in the program and what the limit is.
The Affordable Care Act does not require insurers to provide information about the size of their health plans.
But you may want to ask about them.
A federal health law law called the Affordable Care Cost-Sharing and Quality Improvement Act requires that health plans offer health coverage for up to 12 weeks in the year after the coverage ends, as well as cover pre-existing conditions.
And states are required to make sure that insurers cover preterm births, which have a higher death rate than healthy births.