Affordable Care Act: Obamacare and Health Reform | UnityPoint Health
Health Insurance Marketplace

Health Insurance Marketplace

The Affordable Care Act (ACA), also known as "Health Care Reform," requires most American citizens to have health insurance. Understanding your health insurance options, getting the right coverage and properly enrolling, through the Health Insurance Marketplace, can be difficult. We can help.

UnityPoint Health is committed to your health and the health of your family and community. Our Certified Application Counselors on staff can help you understand your health insurance options and make sure you are properly enrolled for the right health coverage at no cost to you.

Schedule a Free, Confidential Meeting Today!

Just call 1-888-275-5235 to make an appointment.

UnityPoint Health Can Assist Those Needing to Change Health Coverage Due to Plan Removal

UnityPoint Health is prepared to assist consumers who need to switch health coverage due to one plan's recent removal from the Health Insurance Marketplace.

Find Out What Health Care Reform Means For You!

New Law Overview

The Affordable Care Act (ACA) requires almost everyone legally living in the U.S. to have health insurance as of March 31, 2014. The ACA is intended to help more people get affordable health care coverage and receive better medical care.

  • People not required to buy insurance include: people with certain religious beliefs, members of Native American tribes, undocumented immigrants, and people who are in prison. People whose income is below a certain level are also not required to buy insurance. Use the tools available on to find eligibility.
  • The law also provides financial assistance to those who qualify based on family size and income.
  • If you don't buy coverage and go without it for three months or longer, you'll be charged a tax penalty by the government. If you lack coverage for a period of fewer than three months, you will not be charged a penalty for that period of time.


  • No one can be turned down for coverage because of a medical condition, and all Americans should be eligible for some form of coverage, whether through their employer, the new statewide Health Insurance Marketplaces, Medicare, or Medicaid.
  • Medicare Coverage: Individuals who have Medicare, whether through Original Medicare or a Medicare Advantage Plan, will not be affected.
  • Iowa Medicaid: The Iowa Health and Wellness Plan is a new health insurance program for Iowa Care members.
  • Illinois Medicaid Programs. Learn if you are eligible to receive health coverage through other Medicaid programs in Illinois.
  • The insurance you purchase from private health plans must cover a comprehensive set of benefits. All plans found in the Marketplace include these benefits.
The essential health benefits include at least the following items and services:  
 - Ambulatory patient services
- Emergency services
- Hospitalization
- Laboratory services
- Maternity and newborn care
- Mental health and substance abuse use disorder services  
- Preventive and wellness services and chronic disease  management
- Pediatric services, including oral and vision care
- Prescription drugs
- Rehabilitation services and devices

If your current insurance does not provide these services, you may be subject to tax penalties.

About the Health Care Marketplace

The Health Insurance Marketplace is a resource to educate and guide you through the enrollment process. The Marketplace allows you to:

  • Compare different health plans, benefits, costs and the four levels of options including: platinum, gold, silver and bronze
  • Estimate if you qualify for financial assistance or special programs.
  • Enroll
  • Get answers to questions online or by phone.

Reach the Marketplace

Phone: 1-800-318-2596     TTY: 1-855-889-4325

Learn more about Affordable Care Act and the Health Insurance Marketplace