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About the Law

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

As your trusted source for health insurance Debowski Insurance Agency, Inc. - Laguna Niguel, California offers a variety of coverage and additonal protection options for our clients in Laguna Niguel

View Key Features of the Affordable Care Act or read a year-by-year overview of features.

Coverage

• Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
• Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
• Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
• Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

• Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
• Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
• Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.

Care

• Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
• Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.
• Removes Insurance Company Barriers to Emergency Services: You can seek emergency care at a hospital outside of your health plan’s network.

For More Information

• Read the Full Law
• Find detailed technical and regulatory information on the Patient’s Bill of Rights.

Let Debowski Insurance Agency, Inc. - Laguna Niguel, California help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Health coverage.