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Reform Basics

Making health care reform simple to understand.

Buying health insurance can be confusing. There are many choices with different benefits and costs. Regardless of your situation, CoventryOne is ready to help you understand the law and what it means for you.

By clicking the links below, you will be leaving the CoventryOne site and redirected to, a federal government website managed by the U.S. Department of Health and Human Services.

The Law

The Affordable Care Act (ACA) puts into place health insurance reform, or improvements, over the span of four years and beyond. In general, the law is intended to make health care more accessible and affordable for more people.  Specifically, the Affordable Care Act is intended to help:

  • Young adults
  • Individuals
  • Families
  • Women
  • Women who are pregnant
  • People with disabilities
  • Seniors
  • Clinicians
  • Small Businesses

Learn about how the health care law benefits you.


There’s a new way to shop for health insurance: The Health Insurance Exchange. Think of an exchange as an online marketplace. The exchange helps you find a plan that fits your needs and your budget. You can decide to shop for a plan on the exchange or direct from our website. The choice is yours. There are no differences in our plans based on where you shop.  

Learn about the health insurance exchange.


Under the law, you could be eligible for a subsidy in the form of a tax credit to help you pay for your health insurance. If you’re eligible, this tax credit helps cover the cost of health insurance to make it more affordable for you. Also, most plans pay 100 percent for preventive services. Like screenings and vaccinations. This means you could avoid illness at no additional cost.

Did you know that you may have to pay a penalty on your federal income tax if you don’t have health insurance? The penalty for individuals is either $95 or 1 percent of your income. And these penalties will increase each year. Let us help you avoid a penalty. Get the coverage you need at a price you can afford.

Learn about tax credits.


The law gives you more control over the health care of your children. For example, you can now keep your children (dependents) covered up to age 26. Most limits have been removed by the law. They no longer have to be a full-time student to stay covered. That’s if your health insurance plan allows for dependent coverage. Likewise, health plans now include an option for covering dependents, regardless of any pre-existing conditions.

Learn about the health care law for families with children.

Rights and Protection

One of your rights under the law is to have access to a Summary of Benefits and Coverage (SBC). This form puts health plan benefits in plain language that’s easy to understand. A SBC is also helpful when shopping for and comparing plans. The law also gives you the “Patients Bill of Rights” so you can make informed choices about your health care. There are other rights and protections available. The kind of protection that helps you and your family improve your health and avoid illness.

Learn about your rights and protection under the law.

Local Information

While federal health care law affects everybody, states still have some control over some parts of health care.  

Learn about state-specific health care law information by clicking the link and choosing your state from the drop-down at the bottom of the page. 


More Reform Resources

It doesn’t matter if you’re a member, a customer, an employer, a broker or a provider, we’ve got you covered. You can find even more reform-related resources, including informational flyers and brochures, news and links.

More Reform-related information