By now, everyone has already heard that by 2014, people are required by federal law to have health insurance. The federal law in question is the Patient Protection and Affordable Care Act. The government is aware that there are many Americans that want to be insured but do not have jobs that offer them coverage. Many people cannot afford a plan or get turned down because they are suffering from a pre-existing medical condition.

Health care reform measures created the law that established new health insurance changes. These exchanges are called the Health Insurance Marketplace. This is where uninsured people can buy new and improved health insurance plans.

However, uninsured people can also obtain their coverage through a private insurer so that they will have coverage by January 1, 2014. They can ask for assistance from healthcare insurance policy providers such as D&S Insurance Services. New applicants can easily apply for a coverage plan online.  Upon verification of their applications, which is sent online as well, applicants will receive information regarding the health insurance plans that are the most apt for their needs. They will be given the option to sign up for a coverage plan.

Health insurance coverage is traditionally calculated based on the applicants’ income level and household size. Financial assistance is readily available to reduce the coverage costs for people who qualify based on their income level.

The law makes sure that no Americans will be deprived of health insurance just because of the cost.  Whether you want to know more about the law, the exchanges, or how to apply for coverage through a private insurer, D&S Insurance Services can help. D&S Insurance Services is located in Torrance, CA. Contact them at 310-320-7226.