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All private health insurance plans offered through the state marketplaces must offer the same set of "essential health benefits" as defined under the Affordable Care Act. These include: emergency care; lab tests; prescription remedies; preventive care; maternity, newborn and pediatric care; and treatment for mental health disorders and substance ab

No. There are no tax penalties for companies with less than 50 employees that do not offer insurance.

Yes. It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.

Depending on your income, you may be eligible for lower-cost, subsidized coverage purchased through Obamacare's state health insurance exchanges. Or, you may qualify for low-cost coverage.

If youre not satisfied with how your insurance company addresses your complaint, every state has an insurance department to help with questions or complaints. To find out more, contact your state insurance department. Ask if your state has a consumer assistance program that can help you file an appeal. The National Patient Advocate Foundation may b

Most of the dental insurance plans cover routine teeth check up, emergencies and basic care. Dental implants do not come under covered benefits most of the times.