The comprehensive health care reform law enacted in March 2010, known as the Affordable Care Act (ACA), made affordable health insurance available to more people in the United States. The American Health Care Act of 2017 was passed by the United States House of Representatives but not by the United States Senate. It did not, therefore, repeal or replace the ACA. Nevertheless, there have been some since the inception of the ACA. Congress repealed the individual mandate at the end of 2018, which means that you do not have to purchase health coverage for 2023 and will not have to pay a tax penalty if you don’t. However, going without coverage could leave you at risk for high unexpected medical bills. Subsidies for insurance purchased through the are still in place, and they may be higher or lower than 2019, depending on several factors. Even if you’ve checked your eligibility for subsidies before, be sure you do so again for 2023. Things may have changed in your state. Coverage for preexisting conditions also remains. So, if you do decide to purchase health insurance, no plan can deny you coverage or charge you more for essential benefits for a condition you had in the past or currently have. Nevertheless, insurance costs do typically rise from year to year. For 2019, average insurance premiums increased around 5% to 8%1, though some plans did get less expensive. Projections put 2023 increases at about the same. Insurance companies can’t set a dollar limit on what they deem essential health benefits while you’re enrolled in a plan. They can, however, put yearly or lifetime dollar limits on spending for health care services they consider nonessential benefits, which can include emergency room visits and prescription drugs. That’s where a supplemental insurance plan can make all the difference because they pay you cash directly (unless assigned otherwise). Make sure you’re fully covered. and get a complimentary quote.