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HealthCare.gov is a health insurance exchange website operated by the United States federal government under the provisions of the Affordable Care Act (ACA), informally referred to as "Obamacare", which currently serves the residents of the U.S. states which have opted not to create their own state exchanges.
In the United States, health insurance helps pay for medical expenses through privately purchased insurance, social insurance, or a social welfare program funded by the government. [ 1 ] [ 2 ] Synonyms for this usage include "health coverage", "health care coverage", and "health benefits".
The Federally Facilitated Marketplace is established in a state by the HHS Secretary for states that chose not to set up their own marketplace or did not get approval for one. [2] Individuals (i.e. citizens of a state) and employers will have the ability to find and purchase Qualified Health Plans through the FFM and its partners. [1]
Health insurance coverage is provided by several public and private sources in the United States. Analyzing these statistics is challenging due to multiple survey methods [13] and persons with multiple sources of insurance, such as those with coverage under both an employer plan and Medicaid.
Additionally, states regulate the health insurance market and they often have laws which require that health insurance companies cover certain procedures, [149] although state mandates generally do not apply to the self-funded healthcare plans offered by large employers, which exempt from state laws under preemption clause of the Employee ...
The government contributes 72% of the weighted average premium of all plans, not to exceed 75% of the premium for any one plan (calculated separately for individual and family coverage). [1] The FEHB program allows some insurance companies, employee associations, and labor unions to market health insurance plans to governmental employees.
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