Protecting yourself and your family is important. The Affordable Care Act has mandated that Individuals and Families qualify for health insurance, regardless of their health history or any pre-existing conditions. The open enrollment period is November 15 – January 31 each year. There are special election periods during the year for people who lose coverage for situations such as a loss of group health insurance, aged off their parents plan, divorce, birth, etc. You can obtain coverage through the State Exchange or directly from the carriers. Plans are available in all metal tiers; Bronze, Silver, Gold and Platinum. All plans since the Affordable Care Act passed must include coverage for these 10 Essential Health Benefits, ensuring that you have complete and comprehensive coverage for Outpatient Care, Emergency Care, Hospitalization, Maternity, Mental Health, Physical and Occupational Therapy, Labwork, Pediatric Services, Preventive Screenings, and Prescriptions.