The Affordable Care Act has offered women with many new provisions to give them an easily accessible and affordable health insurance plan. They will reap many benefits from new rules and guidelines offered by the Affordable Care Act. Some of the provisions for women in the Affordable Care Act are discussed below.

  • The Affordable Care Act prevents insurance companies from denying coverage to women or charging them more due to pre-existing conditions. This includes cancer and pregnancy. Insurance companies are also prohibited from denying coverage to children on pre-existing condition.
  • The Affordable Care Act gives women the right of choosing her doctor. They can choose OB-GYN, or paediatrician in their health plan’s network, or emergency care outside of the plan’s network, without a referral.
  • Women are entitled to preventive care such as mammograms and birth control, with no out-of-pocket costs or cost sharing.
  • From 2014 the disparity in premium due to gender will be fully abolished. Insurers will not be able to charge women higher premiums than they charge men.
  • The law has offered a new program called the Pre-Existing Condition Insurance Plan (PCIP). It offers coverage for uninsured people with pre‑existing conditions until new insurance market rules prohibiting discrimination against anyone with a pre-existing condition comes fully into force from 2014.
  • It draws down tough restrictions on health insurance companies to make them more accountable to the insured people.
  • Vaccinations, regular well-baby and well-child visits are also covered from birth through age 21. These services do not require a co pay or co-insurance if providers fall within insurer’s network.
  • Women can get coverage for their children up to the age of 26 years if their plan covers children. Exception is made when the child has employer’s health coverage. Marital status, financial dependency, job status or living with parents does not matter.
  • It offers tax rebates or discounts to seniors thus giving the family cost savings on health insurance.
  • People on Medicare may get recommended preventive care like mammograms and colonoscopies for free.
  • Breast and Cervical Cancer Prevention and Treatment (BCCPT) Medicaid programs are offered to eligible women having either breast and/or cervical cancer. States offer this through state screening program. It also applies to women with higher income.
  • The Affordable Care Act has expanded options of health insurance for pregnant women. Pregnant women are specially covered under Medicaid along with their infants at little or no cost if they have limited income. Some states offer them coverage under Children’s Health Program or CHIP.
  • Job-based health plans and new individual plans cannot deny or exclude coverage to the baby if the woman is pregnant. He will be insured till age of 19. Health conditions, including babies born with health problems cannot be used to deny coverage.
  • New health plans are required to cover certain preventive services without any cost sharing.
  • Essential health benefits such as pregnancy and newborn care will be covered in all plans. Other essential benefits covered in all new individual, small business and Exchange plans are vision and dental care for children.
  • Job-based health plans and new individual plans cannot deny or exclude anyone or charge more for a pre-existing condition, including pregnancy or a disability from 2014.
  • If a woman has income less than $88,000 for a family of four does not get affordable coverage from her job she may ask for tax credits.